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In addition to commissions, you may owe damages to buyer.

House was severely fire damaged and subsequently deemed uninhabitable and demo'd by the city along with the solar panels.

-he pays $550 of the $930 mortgage, and half of the utilities, which are not split, and are in my name. am I overreacting, or do I need to do some damage control on the tax front?

It just a simply "guarantee" that they will cover guest caused damage.

Keep the money for the days it was vacant (ie if you rent it Aug 1, then you keep 1 month's rent) and any damage that you had to repair. 

Is market like Texas where they often have soil/foundation issues, or like MN/the Midwest where the asphalt shingles might have hail damage?

For Section 8, if they damage your property they will LOSE their Section 8 money.  

The sliders are still generally solid wood outer frames and the worst the tenants can do is knock it off the track or damage the plastic guide on the floor, which is cheap to replace.

Who is liable for damage caused by guests?