So now your causing "harm" to the entire state of CA with such added debt load. 

It might cause me financial harm as I have to sell more stocks and might pay short term capital gains vs long term capital gains.

One bad situation can harm all the properties.

I guess one should always consider that the rate is always based on FULL loss and FULL replacement, so I guess there's no harm in asking, though your results may not be as advantageous as a layman might consider.Thanks all for your input. 

I sincerely hope you, your family and friends are safe and not in harm's way.  

Check your lease, but in any standard lease, there will be some clause that says they have to abide by laws and/or not bother their neighbors or cause disturbances, etc.This means, you can say they have violated their lease - which then gives you the right to give them a remedy or quit notice.I have to agree with the others - even if they are sweet, and the notice of violations only boil down to the dogs running around and not necessarily doing any kind of harm - they are now your liability.  

There are so many different wildlife creatures to see, that if you are an animal lover, you could spend months seeing new animals every day.  

If you give contractors a prize for finishing early on time, they will finish then to get the prize, but there is plenty that can be left undone without you knowing that will harm you later.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

So if there is any kind of physical harm to the tenant say due to slipping on the stairs etc. the tenants renter insurance will cover the medical cost.