Since it can be tough to find a wheel chair accessible house for example, they don't like to move once the modifications are completed... so less vacancy and turn over for you.

I've had a tenant install ramps and a stair chair-lift, and they did remove everything and patch the stairwell when the lease ended.      

I was able find a bank to give me a $30k business loan secured solely by my "business assets" which at the time consisted of a single office chair and an ancient computer...Might be another avenue worth exploring.

The cost is C H E A P like $125/yr and as it's their property, setting a minimum coverage is foolish IMO.2014, my upstairs tenant started a fire in a stuffed chair causing $95k damages to the property and about 75% loss of their personal property. 

We go so far as bring a card table and folding chairs to the open house.  

I also provide curtain rods to avoid the idea of a tenant standing on a wobbly chair NAILING a curtain to the wall of a window.  

Another option is to cut your beadboard at chair rail height (it will take a bit more material) and hide the seam with a piece of moulding to create the chair rail. 

I was also talking to one investor on another post and he says he rents the furniture to the students per semester. ( desk, dresser, rolling chair, bookcase, a/c) he charges $35/1 - 35+25/2 - 35+25+15 / 3 -  35+25+15+10/ 4 and $60 for the a/c unit. for additional income

Dining Room Chair: Seat where you ingest fuel to keep going.

If they are overcharging you for repairs, call them on it, and fire them if they don't correct it.It can be rather difficult to "change a washer" from a lounge chair on the deck of a Cruise Ship in the Mediterranean.