There is not enough information to run the numbers, but I feel this isn’t a numbers question.Here are questions I would ask myself:1.

I'd like a systematic way, that's more efficient than my current excel sheet, to ensure I'm following up weekly with the same people while keeping notes etc.

I'm still learning the ropes, so any suggestions or advice would be greatly appreciated!

Beyond that there are hard money lenders who charge higher rates to take on more risk... but they again start by looking at you, your skill set, and your previous experience in both managing your credit, as well as your real estate investment history.  

Is anyone getting good quotes on renewals? 

It would be great to connect here with a few folks, hear your stories of how you got started, and learn how to take that first step. 

Easy to get someone on the phone, which is a big one for me and something I am willing to pay a reasonable premium for.

What can I do to protect myself, as I want to avoid inheriting a tenant who may not pay rent on time or may need to be evicted after closing?

@Barry Ratliff, your question touches on two important aspects of tornado damage and HOA management.

Ultimately YOU need to be the one in control so YOU need to understand what's going on more and you need your agent to assist you with that.