Under this are some sub-bullets, which include, "Failure of tenant to regularly clean and maintain acceptable living standards" and "Vermin/insects on property due to negligence, poor hygiene, or detrimental conditions by tenant."

They will conduct testing to determine if the growth is in fact mold and will be honest in their assessment if the tenants' negligence was the cause of the issue.

However, insurance is limited because it only protects you from one type of liability: accidents/negligence.

Other experts in bigger pockets suggest going with the higher amounts, as the additional costs are negligible and it can be worth it. 

The short time between drawing from the HELOC and paying back through cash out refi makes the rate difference between the two options pretty negligible as you’ve stated.

He sued me negligence, Retaliation and body injured.The timeline is as the following:Feb 26, 2019, he complained bathroom water dripping to downstair and rats crawling noise in the wall.March 3, 2019, he complained about the hot water heater issue.1.

What if you DO find clear signs of negligence or lack of cleanliness?

The difference was not negligible (3.75% LPMI vs 4.25% + PMI loans).

(f) Rights of the tenant under this section do not arise if the condition was caused by the willful or negligent act or omission of the tenant, a member of the tenant's family, a licensee, or other person on the premises with the tenant's consent.

So the benefits are negligible.