Also, I have seen inspectors make contractors remove furniture if they don't have a Certificate of Occupancy

Now because of fear, uhaul and other moving services being closed, furniture stores being closed, etc people probably don't want to move even if they could afford to. 

Most of the damage will likely be on your tenants own furniture.

This was summer in central CA so I don't know why on earth she would offer such a thing, It was 100 degrees outside, but that was HER idea so I said they could stay as long as the birds never, ever, EVER go back inside my house.To their credit, they left the place spotless, but now Lucas has revived the latent horror of wondering how much those birds peed and crapped on my furniture.  

Essentially a home owners policy without the protection for furniture, belongings, etc. 

Instead, I went to Europe, bought new furniture, bought two new rentals, etc.

- What quality of items have turned out best for sheets, blankets, dishware, furniture, etc.?  

She is saying she will want to move some furniture in since she is an interior designer and when she’s at the unit she’ll want to use it as her “studio” she’s implying that she will want to be here for a while “maybe 3-6 months” but hasn’t mentioned it yet.

Do you have extra furniture anywhere to make it a short term rental while you wait for market to adjust to new normal?

Good for you congratulations, lots of information that is irrelevant here but... potentially can afford a home little over 800K, now the questions will you qualify for a loan ... hypothetically your wife might not go back to work.20% down great, reserves for closing costs, appraisals, moving costs, new furniture, and any fixes needed the wife would like -(pink or blue nursery)?