The vendors we used were fantastic, and thankfully no injuries or other substantial issues arose.My direct contact info is in my profile, wont allow us to post in forms here.

@Bill GrahamThis would not be covered and if there was an accident or worse an injury then they would not cover you either

Property insurance safeguards against damage, while liability insurance protects against personal injury claims.

I live in the Los Angeles area and the attorneys I look seem to major in litigation and personal injury.

Most likely the state where the property is located is where lawsuits would be brought if they are something for personal injury like a trip and fall or something of that nature because the “cause of action” arose in that state.

Most likely the state where the property is located is where lawsuits would be brought if they are something for personal injury like a trip and fall or something of that nature because the “cause of action” arose in that state.

(I didn’t see that stated but you mentioned first homeowners loan.) if so…You don’t need an LLC…1)Any Injury in the property will likely be result in you personally being sued as well. 2) it sounds like you will have negative equity (assuming 10% selling costs and 10% or less downpayment.)3) it sounds like you probably have a minimal net worth and are virtually judgement proof.

To add insult to injury, new construction went into the toilet after the Great Recession. 

One of my tenants did this.. and the bankruptcy trustee made us give back 3 or 4 months of rent payments  talk about insult to injury.. ugh. 

But I suspect it was for personal injury because he fell and injured himself once when he was alone in the apartment, and drunk and feeling dizzy.