They can take, edit, resize, annotate, add smilies and post a picture on a tiny phone with ease but can't change a light bulb or swap out a battery at the back of a wall clock, let alone keeping an eye on a buried pipe or a leaky water heater relief valve. 

You can read alot of books and listen to a bankers opinion all day but what help are they going to be when you enter a unit for a filter change and smoke alarm battery check and you discover things like tenant has moved in a roommate, are those bedbugs on the wall, why is there a pet tiger in the bedroom...etc...You will need a voice to call to say what in the hell do I do?

My crystal ball's batteries are low and I can not tell when it will end, only that it will.This is not a crisis, it is a moment of untold opportunity.Fear is ruling the day and it leads to poor or no decision making.My Advice:If you are in a secure financial place and have cash, YOU MUST WATCH THE RE MARKET CLOSELY and be ready to make a decision and buy when the right deal comes along.  

I have an applicant who has a relatively recent history of two domestic battery arrests but no convictions.

Did you look into the SGIP rebates on batteries? 

But honestly, besides the occasional light bulb replacment, smoke detector battery replacement, HVAC filter replacement, your monthly repairs isn't all that much. 

According to its site: The Host Protection Insurance program does not apply to liability arising from (1) Intentional Acts including: (i) Assault and Battery or (ii) Sexual Abuse or Molestation - (by the host or any other insured party), (2) Loss of Earnings, (3) Personal and Advertising Injury, (4) Fungi or Bacteria, (5) Chinese Drywall, (6) Communicable Diseases (7) Acts of Terrorism, (8) Product Liability, (9) Pollution and (10) Asbestos, Lead or Silica. 

If the place is clean, filters changed, smoke detector batteries maintained, and leaks or other maintenace reported then go to semi-annual.  

We swap the batteries every 6 months.

changing out batteries is a hassle, weve always just used standard locks and kept the mains.