The only silver lining is this property performance so bad, that it helps offset the gains from my other 10 homes. 

Quote from @Brandon Croucier: 20% down is terrific on land.It’s a non income producing asset which has increased volatility, typically I see 65 LTV max on land as of late.Thank you Brandon!

Typically, we would only do an initial tenant screening at the beginning of the least. 

Is that typical for insurance placements in that market or is this the high end you would expect for this property? 

I log into the accounts but guests typically just log out and use their own. 

Typically lenders do not allow this but if they do you would ahve to go through a full underwriting to confirm you qualify to make the payments.

W what typically went wrong in your case? 

Like almost everything else in life: Short-term pain for long-term gain!

Since you're currently using the property as your primary residence, the cost of improvements made before it's placed into service as a rental wouldn’t typically be immediately deductible.

It was a typical house purchase deal.