After all PITI, utility, and services (lawncare and cleaning) costs I have $7,225.I set aside 25% of this for my maintenance fund.The remainder funds my lifestyle, wife has a Tesla, and quarterly vacations as well as business growth.In 2023 I am tracking to build 4 duplex units designed as room rentals funded in part from a recent land sale.

But I also don’t know of any appliance shop with no return policy.

But somebody could use a credit card fund the immediate need and then pay it back with the policy loan fairly quickly.

ask them to confirm they understand your policies (no parties, no extra guests that aren't included in the reservation, etc.) before accepting their reservation request. 

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

While I feel it’s not as nice as yours, it’s also listed for nearly 30% less, with similar qualification requirements and pet policies. 

My expenses, PITI included, will be >$8000.

Then get a business umbrella policy.

Can anyone recommend a company that offers a builders risk policy to cover the construction period but then will also allow a cancellation and refund after work is finished to convert into a standard landlord policy.  

Everyone that has more than 1 or 2 properties should have some kind of basic spreadsheet that demonstrates how much that property is bringing in after all your fixed costs are accounted for, at a minimum - PITI, lawn care, HOA fees, etc.