The Exclusions From Coverage for a standard ALTA Owner's Title Policy provides:The following matters are excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys’ fees, or expenses that arise by reason of:4.

What if they say those damages were there before they moved in?

If RE investing is the main source of stress in your life, it may be time to set a new gameplan.Other stressors can arise, such as tenant issues, property damage from inclement weather, market cycles - decreasing rents and property values, etc.I don't know of anyone who has successfully invested in RE without experiencing stress and some point.

The leak damaged the flooring and fixing the issue may result up to $10K in expenses.

I also discovered damage to the roof and had to replace that, plus I graded and graveled the driveway and parking area. $24,000 worth of improvements, $20,000 in lost rent. 

At the time the tenants wanted compensation for many shoes and much clothes that was on the floor and have been damaged. 

A misdemeanor may be sufficient to deny application if the conviction was recent and didn't involve a more serious crime, such as battery or intentional property damage.

Credit Union #1: This has the longest maturity, so there's an element of "fire and forget" here too.

There's still the elements of 1) there's not a lot of 2-4 unit properties in comparison to SFH and 2) the average family doesn't want to purchase a 2-4 unit property. 

What if the storm caused extensive damage?