Oh great,
another "people are saying.." thread.
Look, over-pay for your property (which is never really yours), get something slapped together at the lowest possible price, insure it at the bare minimums, then sue like crazy when it falls down and start all over again. Or, flip it so you lose a little (for your taxes) and find a couple of re-fi's to cover your travel expenses.
JUST LIKE THE REST OF US.
Seriously, do you think you're special?