The scenario you describe (being "over-leveraged") can easily be applied to people of all financial situations, and certainly to people who are not landlords.

The scenario you describe (being "over-leveraged") can easily be applied to people of all financial situations, and certainly to people who are not landlords. Life isn't easy, or simple.. We all do the best we can.. Without knowing how they got there, and again, with the absolute comfort of having zero stake and perfect hindsight, it sure is easy to judge their failings from a distance. I guess I'll also reiterate that I hope life is kinder to you than you wish it to be on others.