(I am not a lawyer so none of this is legal advice but have seen similar situations occur). 

Focus on properties that align with your criteria—whether it's cash flow, equity potential, or location—and stay consistent, even when setbacks occur.

G'Day Luka,I'm not a fan of out of state BRRRR.It's hard enough for us on the ground to get rehabs done on time and on budget and I don't even want to think how difficult, expensive and time consuming it would be for out of state investors.And then include a high LTV and that can be a portfolio killer IMO.Hat's off to you mate for grabbing the bull and jumping in.You live, you make mistakes, you learn and you grow.Such is life.Building a large portfolio is an absolute must when investing in sub $100,000 properties in Ohio.I "killed" my business by not wanting to sell to investors that are using leverage.Our sales volume could increase by 70-80% but it is what it is.I just don't believe in it or want the hassle associated with it lolReason is mostly two fold:1) Not in the mood to deal with lenders for 2 months and hope the deal will go through.2) I don't believe that investors should use high LTV when building the foundation of their portfolio.My advice to you:1) Pay them off as quickly as you can.2) Build a larger portfolio.The investors that $#@% the most on my name are the ones that buy 1 or 2 properties and expect miracles.As you said, 1 furnace goes out or a sewer line needs repaired and bye bye cashflow for 2 years.We get blamed although we can't predict to fix certain things and there are just many unknowns with all investments.Our happiest investors are the ones that own 6-7 or even 10+ properties and all with cash and no leverage.They aren't worried about turns or tenant issues that occur on 1 or 2 properties as it's just the nature of the beast.Returns vary but across the board over the last 10 years I have seen 6-10% net ROI's year after year.Building a large portfolio is a must to minimize risk and to get the best possible long term ROI.Thanks 

The above doesn’t allow any Life events occurring that you don’t already have covered financially.The above is your same lifestyle today.  

The same scenario occurred where we got a booking right away and thought the reservations were going to keep flowing, and then there was a "pause. 

There is not an indication of underground plumbing inspection occurring in the energovweb portal.Alt seawall permit has expired and has the following hold in the portal: "Hold has been added by the IAA to ensure the expired permit cannot have any further work conducted until the expiration is extended."

However, a surprise occurred with title that drove up our acquisition cost to almost $120k.

BTW the turn that occurred 18 months prior was very similar.  

While most who post about asset protection on BiggerPockets are focused on how to remain anonymous and how to prepare for conflict and liability, the billionaires are out there proactively preventing the liability events from occurring in the first place.

Note ADUs do the opposite seeing that small units in small counts is very expensive development.I see nothing in anything you have stated that addresses what i believe has to occur to accomplish your goal.