If I have had a negative tenant experience (late payments, hostility, drug use, damaging property, etc) one of the options available is for me not to release.

We're actually going to try to get her on a new 1-year lease with increased rent and damage deposit.  

I realize umbrella wouldn't cover property damage.  

He made workouts with the banks to handle it so he didn't lose anything but his credit was damaged.

A quality pair of dress shoes for the office?

CO landlords can still evict for all of the common grounds for eviction: nonpayment of rent, violation of lease terms, damage to property, disturbing the peace, health and safety violations, illegal activities etc. and can also still evict if they plan to conduct repairs or renovations, property demo or conversion, move in to the unit themselves or have a family member move in, withdraw the property from the rental market, or if the tenant refuses to sign a new lease with reasonable terms. 

I have heard these tenants are difficult particularly with the house maintenance and timely payments that I why I like to have more of a security deposit, just in case no payment or damage to the house happens. how more fair can it become?   

Here are some key reasons why tenant screening is vital:- Risk Mitigation: Effective tenant screening helps mitigate risks such as rental payment defaults, property damage, and legal issues.

Personally if they were polite with good communication and nothing was stolen or damaged.

The cabinet under the sink had water damage to the base, and I have the option of just repairing that and painting the inside of it.