Therefore cap rates and the cash on cash figures are negligible, if not non-existent right now. 

From the looks of things, the hard costs appear to be 7 letter that they sent to the wrong address that they had on file.Nicole Sorensen Hull, I had the property for 1.5 years, but it was under a property manager, who was very negligent.

Things like it being a coop versus a condo are part of how the market prices in the valuation of the property.The appliances are a completely negligible factor in the equation.

Lawsuit, negligence, potential fire, tenant injury, and/or other legal issues comes to mind if something happens.

Look at all the people on BP that obsessively scrutinize every negligible risk...what if someone trips on my driveway and sues me?

The second attorney told me that SC is not a terribly litigious state (only one negligence suit in my county in the last 20 years), and, that most tenant claims for damages are settled for some amount well within the landlord's insurance coverage limits.

Is this a case of clear negligence from the tenant's part, and in this case she should be responsible for all the costs?

Your insurance likely does not cover their acts of negligence.

I could imagine a series of facts that, if were found true [and are not foreclosed by any information currently presented], could cause the inspector to be found negligent and liable for damages.

Your insurance could make the Association's policy pay for this (even though, the loss was caused by your negligence).