They want to be able to destroy the value of the house so they can get it for cheap.

The HOA destroys this deal.

(Horizontal cracks are a big deal, vertical cracks not as much), condition of main beams (if it has wooden structural components, is there wood-destroying insect damage?)

On average I try to spend 10k or under on new purchases to get them ready to be rented and under 5k every time a tenant decides to destroy a property but it can vary a lot depending on how much of the work I decide to do myself and the pricing of the people I decide to hire along with what all needs to be done.

I'd rather have an empty house than an occupied house with tenants that don't pay rent and destroy the house.

I'll tell you from experience, in Jersey HOAs are likely to destroy any chance of you cash flowing.

The main thing that gets destroyed with ICF is the roof unless you completely cover the home with ICF including the roof.

Deanna McCormick Is it then different paperwork that I'd file if she destroyed the place, since she'd technically be out of the property so it wouldn't be an eviction?

Destroyed property of both the homeowner and her own son.

If they destroy something the rent credit disappears.