The first year was tight because of higher interets rates, but his tenants effectively covered about 70% of his living costs.

If you hired an agent or a broker to work with you, you'd be covered - but regulations & laws vary from place to place.Screening is best done by establishing a set of guidelines to qualify applicant tenants, then sticking to those rules to avoid legal issues (and for your own sanity).

I suggested that the agent represent themselves --- that suggestion started a lively discussion on the subject of self-representation on real estate deals.Do you self-represent on real estate deals where you are the buyer/seller?

And you avoid things like damaged properties (guest insurance from airbnb or prop manager themselves cover that), evictions, collections, etc.   

Interesting that this isn't covered with the "masters".

Orange County, FL is a covered disaster area listed in the above notice. 

If you're new to this, partnering with a trusted contractor can make a big difference in ensuring you're covering all the necessary costs.

Should I present the expenses to all three tenants and ask them to cover the charges?

Most mastermind courses don't cover this, and even the "capital raising" specific ones don't do much of real value here.  

Only mortgages as debts which are covered by rents.