We're currently using it as a replacement to security deposits but I'm considering bringing back deposits since there are certain costs that Waivo doesn't cover.

First off, I know it’s frustrating when a tenant leaves a mess, and even worse when their security deposit barely covers the damage.

The liability coverage is way better, the building coverage is often better, and commercial policies typically cover loss of business income as well, which a homeowners policy isn't going to help you with.California + wildfire area + STR is super tough. 

(FWIW,$8K on just the compressor seem excessive.)Otherwise, unless your contract with your GC says they will provide 24/7 surveillance, or you can prove the AC was never installed, you own the problem.If the property has been vacant for more than 30 days, most policies won't cover vandalism unless you have added a Builders Risk Addendum.

Properties have appreciated to insane heights in the Poconos, the metropolitan area I cover has been a decent appreciation gain, but not like the vacation market!

I just can’t imagine how everyday people spend this much money on pipe.I don’t think insurance covers any of the foundation repair, also wonder if insurance will cover any of the sewer line repair work?

But, if you could not cover the spread between %3 and 6.5% rates, then you won't have much there to entice the CFD.

Brandon Turners podcast A Better Life with Cam Cathcart has covered a ton of real estate related topics and ideas.

Our website covers that.Also, are you sure what type of property setup this is? 

Goal is cashflow or at least covering a substantial portion of the mortgage.