And HOA insurance coverage is very minimal so if something does happen, HOA likely won't be able to pay for much.  

Before I answer this question, I think it is important to make sure you know what want and can afford.For me, I wanted a property that was pretty much turn key and required minimal updates (painting or adding washer-dryer) as a buy and hold investment.

Houses are designed/built as rental hardened so minimal repair/maintencance for at least 15 years.

Lacking sufficient funds for a 20% down payment, I am exploring lenders offering 90%-100% LTC to minimize my upfront investment.

My duplexes did not appreciate over the 7 years I owned them.I was so fixated on Cash Flow, that I missed the appreciation on the deal, and the cash flow ended up minimal due to the things I mentionedHope that helpsGino

I don't minimize that, only to say that in the past people had that AND massive societal problems, war, scarcity and economic poverty.

Ultimately, separate renter's insurance provides better protection, minimizing confusion and ensuring proper coverage for unforeseen circumstances, benefiting both landlords and tenants.

Becoming a Key Principal (KP) in other people’s commercial real estate deals is a great way to shelter your income, participate in several deal at the same time, minimize / spread out risk, capture equity w/ a preferred double-digit return at a discount cash-out-of-pocket investment. 

Maybe you can convince everyone involved to convert to a community owned system, with a shared maintenance agreement, reserve funds,Just need to find the smoothest path forward to needed upgrades like an above ground cistern, pumps, backup generator, better filters, or whatever to make the system function 100% of the time$1500 is minimal, spend it if that's the way forward.

Without owning rental property personally, it is difficult to truly understand how to minimize costs and maximize your investment.2 - Who do you deal with?