Screening Tenants: Implement a thorough tenant screening process to minimize potential issues.

I have a condo as a rental with minimal loan balance in San Diego. 

And HOA insurance coverage is very minimal so if something does happen, HOA likely won't be able to pay for much.  

Before I answer this question, I think it is important to make sure you know what want and can afford.For me, I wanted a property that was pretty much turn key and required minimal updates (painting or adding washer-dryer) as a buy and hold investment.

Houses are designed/built as rental hardened so minimal repair/maintencance for at least 15 years.

Lacking sufficient funds for a 20% down payment, I am exploring lenders offering 90%-100% LTC to minimize my upfront investment.

For example, what if you decided to paint the interior dark green, which is largely unacceptable to the tenant segment normally attracted to your property?

My duplexes did not appreciate over the 7 years I owned them.I was so fixated on Cash Flow, that I missed the appreciation on the deal, and the cash flow ended up minimal due to the things I mentionedHope that helpsGino

Ultimately, separate renter's insurance provides better protection, minimizing confusion and ensuring proper coverage for unforeseen circumstances, benefiting both landlords and tenants.

Becoming a Key Principal (KP) in other people’s commercial real estate deals is a great way to shelter your income, participate in several deal at the same time, minimize / spread out risk, capture equity w/ a preferred double-digit return at a discount cash-out-of-pocket investment.