We don't cover that area, but know that due to lower population density, finding a great PMC is difficult. 

That means I'd be covering a significant shortfall every month.

At $2450, it will cover those expenses.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

Insurance doesn't cover anything anymore and we can almost just pay for all damages with the money we spend on it! 

The HOA covers all the exterior.What was the outcome?

I did the math and could cover the mortgage solo if needed.

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

Texas does not have a reciprocal agreement meaning TX agents will handle the deal but the buyer should cover my commission.

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.