You mentioned you're reading books on the subject - that's always helpful.

After deducting your payoff, you've only got a little left over which would go toward covering refi costs (and you'd likely come up a bit short).

Technically, those sleeping over 12 built after 2016 are putting themselves in a legally liable situation if something happens as insurance companies may not cover them.

@Brandon Eike, on an investment property, most lenders will max out their loan at 75% LTV, which doesn't cover transaction costs, which are usually 5%-8% of the purchase price.

Then since your out of control your subject to human nature.

I would also ask about your area specifically about how it is covered.

If it wasn't, then you should consider covering the cost until you can correct it in your next lease.

That way if you have vacancy in one unit, you still have the other that can at least cover some or all of your expenses. 

So far, no one has ever posted the class topics taught, it's not a real secret, doesn't need to say how they teach a subject, but subjects never seem to appear.

If the deposit does not cover the charges, then you should consider whether you want to pursue collecting the unpaid balance or write it off.You did the right thing, and the tenant's behavior proves you were right.