What about job loss, divorce, disability, poor economy, family troubles, etc. 

I still would not apply to me...per the definition of "commercial solicitation" in the state code at https://www.scstatehouse.gov/code/t30c002.php(3) "Commercial solicitation" means contact by telephone, mail, or electronic mail for the purpose of selling or marketing a consumer product or service.I am in no way warketing a consumer product...or to consumers for that matter...

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.Discounts on some products and services are offered to BP members: https://www.biggerpockets.com/perks/proIf you haven’t been to it already, you might want to check out the BP blog: https://www.biggerpockets.com/blog/The site has quite a few tools that can be helpful for new members.

If you get preapproved with a Hard Money lender you can buy a distressed property but if all you can get approved for is an fha loan it has to be a pretty solid property, of course unless you use the 203k product.

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.Discounts on some products and services are offered to BP members: https://www.biggerpockets.com/perks/proIf you haven’t been to it already, you might want to check out the BP blog: https://www.biggerpockets.com/blog/The site has quite a few tools that can be helpful for new members.

Even the mew loan products like the Fanmoe Mae Home Style Loan. 

You may be surprised what they offer on commercial products.

I would disagree with @Ronald Isgate (I do respect your opinion though I've seen you on here plenty and know you are a knowledgable source) in that there are a number of hard money lenders who now have long-term products.

I'd recommend that before you leave you understand the different areas, classes, products, etc.

And if not in money, maybe even in time - slow claims processing can hurt you just as bad as poor coverage or unfair replacement cost calculations.