(b) Property damage caused by natural disasters or by persons other than the tenant's the tenant's guests or invitees.This Deadly Sin is even broader in scope than the 6th Deadly Sin.

Anyways, I am a single mom of a 2.5 year old little girl, and at the age of 32 have finally gotten to a place where my financials are in order (I graduated from college a bit later in life after teaching acting and producing plays throughout my 20s!).

Some folks are fearful by nature and sleep better knowing they have done everything they can to protect themselves, even though there is a significant cost.

I'm selling my primary home which has a $1700/mo income producing rental used for MTR/STR.

Lenders have expanded their guidelines to allow for up to 85% financing assuming healthy credit and income is producing above what the debt obligation would be for the home. 

Some areas have conservation easements , you may cut a deal with the local government where if you put a restriction on the property to let it go natural they may pay you . 

Value is a function of the income the property produces.  

China was the worlds low cost producer.  

You want to make sure as a long-term hold it will produce 5%+ CoC return, and once you finish renovating & stabilizing the property, it will be worth at least 15% more than you bought it for.

Also consider the mix of assets in that is one producing good cashflow and another appreciating above average.