Also, in the rental agreement, it says:"HOLD HARMLESS AND INDEMNITY: OWNER of rental property shall not be liable forany damages and/or injury to TENANT and/or their guest(s), or their personal propertydue to TENANT’S acts, actions or neglect.

Whether they are section 8 or market rate, a bad tenant can cause $10's of thousands of dollars of damage really quickly.  

And depending on the state, gross negligence damages can include punitive damages for up to four times actual damages. 

Air Conditioning, if an city is hit or miss with A/C units does this play a large factor on rent and/or property values?

I can only assume that our insurance company would not want to cover damages and such should something happen a house with tenants and a primary residence policy in place. but I haven't really gotten far into the weeds on the particulars of that. if you have gained any insight to that I would greatly appreciate the knowledge.

However, at some point you’ll come to know that when considering the time, aggravation, and damage to your reputation, it just wasn’t worth it.  

Honestly, not what you want to hear, but take photos of the damage, send them an itemized invoice and tell them what they owe you.

Plus a small cutting board and "hot plate" to avoid tenants damaging kitchen counters by chopping items or setting hot pots directly on them.Gail

I'm just pulling 6% out of mid-air. 

The systems are put in place to vet people who would not able to pay your rent and who would most likely cause damage to your property.