The other thing that you can do is find a HML who will allow the seller to cover the down payment then seller finance the downpayment.

How can a seller credit be paid once the closing costs are already covered?

I cover utilities.

Since then, I increased my security deposit to cover more than a half month's rent should I need to use it.

Here’s a quick checklist to cover your bases:Property Condition: Get a thorough inspection to assess major items like the roof, foundation, and HVAC—this helps you plan for any big repairs.Financials: Account for all costs, including taxes, insurance, maintenance, and property management fees if applicable.

When you have a tenant issue there aren't a bunch of other units to cover the shortfall.

--> $50K minimum investment, with at $10K SWAN account to cover expenses related to the purchase of ONE property, including ongoing maintenance while the property is rented for a 4-5 year term. 

Enjoy the beautifully landscaped backyard with a covered patio, pool, spa, and RV parking.

This should be defined in the lease agreement as to how it's covered (by the tenant or landlord) and how they're switched over when turnover occurs.2) Not sure if I'm understanding correctly, but any fees paid to the property manager should be separate. 

There are investors that do not have the means or desire to cover losses.