There's low barrier to entry in terms of effort required to purchase stock and naturally more people are going to do it. 

I furthered my education by reading "Writing Winning Business Plans" by Garrett Sutton, "Tax-Free Wealth" by Tom Wheelwright, and, naturally, "The Book on Rental Property Investing" by Brandon Turner.

For instance, a claim filed under a federally declared natural disaster is most likely looked at very differently than a claim for a leaky pipe. 

Or Ohio Dept of Natural Resources may have guidelines about setbacks, etc?

The points above about the changing nature of AVL are spot on. 

How do I account for the expenses that are general in nature, as opposed to for one particular property?

Wanting tenants to cover damages and missing rent is natural, but legal action can be a costly and time-consuming route, especially if they lack the means to pay.

We had a 1 year lease with the option to go to month to month bc of the nature of the circumstance (so much construction in Houston at the time that things took a really long time).

I ultimately settled on Kansas City and that's where I'm planning to buy in the next few years.Being Very Conservative with Cash Flow ProjectionsI'm an analytical person by nature, so the whole process of analyzing potential cash flow from a rental property always appealed to me.I've always been extremely conservative when estimating cash flow projections.

Yes I have and CFRI Volusia is more specific for Volusia county but like the main CFRI, GOREIA is general in nature.