I am starting to fear the winter damage it will endure if it should reamain empty.

I don't know that it really encourages laziness the way DSS does because those utilizing section 8 in the private rental community have to endure the same increases of cost of living.  

Trying to figure out if a house is in an HOA, and then sleuthing for the HOA docs, then reading through the legalize, is very tedious.

It's been my experience the mastermind concept has made huge impact on my progress over the past year because of executing the principles.I think the modeling project he undertook is the real genius of the book and why it endures.  

Moreover, anyone using 1 single metric pinned for a specific point in time to make an assessment of the enduring quality of a market; IS WRONG. 

We were worried people would not be wanting to travel and vacation based off the economic hardship a lot of citizens have endured these past few months.

Have them run every prospective tenant that they recommend approving by you before final approval. 550 is a terrible credit score, and if that's the best you can do in that area then I'd definitely consider selling and looking into a better location. 620 is the minimum my PM uses, along with income at 2-3X rent, no prior evictions, good rental history and references, consistent work history in a decent career, etc. and once approved they send the info they've gathered to me and I do a little sleuthing on my own (check them out online, social media etc. anything I can find).

Anyone have any ideas of the likely loss i would have to endure?

That way, in a full loss I receive the same amount of money that I would have if I sold it rather than enduring the loss.  

Trim and millwork should be simplistic and strong, I use 6"-8" solid wood rounded edge baseboard, why, because it takes a beating and endures and protects walls.