How do you know they caused damage by misusing the lock vs normal wear and tear?

Thank you for your input.Some further clarification:  I may have mis-used the word contractor to mean an autonomous skilled worker who does the work themselves.  

Meet her in the middle somewhere on the cost of the repair as my lease clearly states that tenant misuse or negligence leading to damage is responsibility of the tenant.

I'm a more experienced churner then investor ( here learning)Using the method your mentioning has the potential to raise flags with the CC companies for misuse of the programChase has been known to shut down accounts and Amex calls you for a "audit"The method is valid but carries some risk if abused

Then there are the issues of misusing terms to slide ideas past, buying under market value, claiming instant equity on a deal and financing blue sky as an acceptable collateral amount.Lots of wild ideas, presented with a somewhat twisted logic, a dash of hype and ignorance of the consequences is where most are in suggesting "creative financing".I do like other people's money over bank financing in some cases, especially in the short term, which can be up to 5 years, but banks usually have a better solution long term.

I get that some people aren't on top of their finances and misuse credits cards.From the posts I've read I see two potential problems. 1- Disputed charges will typically favor the card holder (i.e.

Lots of examples of terms misused, no idea how many mortgages have been assumed in a Sub-to keeping the transaction unknown by the lender and speaking of mortgage, how many think it's the lender who makes the loan.

I hope there is a benefit (I know there is) but I often hold short on many points for fear that someone will misuse suggestions.

If it is found to be in satisfactory condition, or if it is damaged due to neglect or misuse of the resident, we might choose to withhold an upgrade.

Certainly anyone can misuse the funds or loans given to them weather its in a form of a business credit card, a check book line of credit, a personal loan or any other form of loans.