If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

This absorbs consumables and breakage for me. 

., but also fortunate that your borrower didn’t contest your business-purpose loan as being for a consumer purpose.

Of course there are other things that can happen that are out of the investors control such as an internal audit but outside of this, it would be super expensive and time consuming for lenders to randomly review all of there loans without cause.

This negative position can consume years of cash flow to recover.

Currently, Bitcoin mining is estimated to consume more power than is used in the entire country of Ireland per year.  

I fold the letter, stuff it and place the precancelled stamp on it at a rate of 94 envelopes per hour.....takes forever.Add in screw ups (see my post about 3000 yellow letters down the drain) and you have yourself a time consuming, repetitive, completely boring endeavor.If you plan on sending a few hundred a month you can swing it on your own but if your time is worth anything you'll outsource.  

I am responding as a consumer not a STR owner we had one its lasted for us for exactly one tenant then we felt it was too much work for the return  on investment we do much better loaning money and buidling new homes than to worry about people goofing up our homes :)I do have some MTR you know fully furnished homes in Vegas and those are money makers for us top of the line tneants paying double the going rate for rent.

The US has consumer protection rights that should apply to this space. 

The downside to this approach is that it can be time consuming and tedious to find exactly what you’re looking for.