Exclusions that may be in a policy would be discrimination, sexual harassment, Intentional/criminal acts on your part. 

I'm with @Jay Hinrichs hiring attorneys and filing lawsuits will only deliver psychological gratification while setting you back thousands of $$.The most cost effective method to put people on notice, in the event you need to later recover damages e.g. from a negative cash flowing property, selling expenses, etc.

We never took any money out for ourselves so in large part it was delayed gratification. 

The three pigs built houses but the one who planned for the long term security and didn't look for instant gratification was successful.  

I do like the instant gratification of 20k/year although less without your depreciation. 

I am a person whom finds gratification in the steady climb of setting milestones for myself.

I love fresh ocean air, beach volleyball, running, and actually my career makes me obligated to be in an environment where the sexual energy is high.

If I can't get where I want to be in an hour, it's too far, I want instant gratification!

In addition, the IRS and owners of investment rental property might as well be best friends because the IRS has made so many rules to benefit us.Related: New Study: Ability to Delay Gratification Predicts Wealth, Health & SuccessThere is a lot of useful information packed into this article.

@Robert - There seems to be some sort of weird sexual nature to this as well, the neighbors are male and female but whenever I have a single female tenant they are fine, but as soon as she gets a boyfriend or has male visitors the calls start and continue unabated.