Your HOA will likely keep increasing and because of the excessive heat, roofs get replaced more than in other areas and if the HOA is not super liquid, that will come back to you in the form of an assessment.

These 500 year events may turn into 5 year events with the increase of Hurricanes due to rising ocean temps.

But there is just not enough housing here for the amount of people, and so monthly rent has increased significantly for tenants due to the high demand and lack of supply. 

it is very difficult - much more difficult than advertised, and more difficult now than it was a few years ago because of the increase in interest rates and the heightened competition for distressed deals.the issue is this: you're up against other investors and businesses spending tens and sometimes even hundreds of thousands of dollars a month on marketing. 

I do fortunately have room to absorb that loss, but with increased taxes, insurance, and maintenance/repairs starting to get reeeeally thin on the margins 😬

Don’t feel stuck, assuming equity increases and depending on your future loan to value, you can always refinance and other options.

This is also impacted by how old your home is, so that was likely a factor for me.From what I can gather, it's best to increase my personal liability for now and require the tenant to get renter's insurance to secure their own belongings. 

I’ve considered living in a trailer and renting out every room to increase cash flow.

There would be no mortgage insurance and you could use multiple business accounts to increase your income.

If they don’t, they could be forced to rely on reserve funds or even increase dues to cover the shortfall until the homes are repaired or rebuilt.