My principal/interest, escrow, and insurance is 1570, and my HOA is 306 and it includes water.

Read or watch YouTube’s on India and Africa bringing water to the land.In the meantime you won’t save your way there.  

The grout between the tiles allows a run off of water and a gripping surface for your feet.3. if you’re smart, use durock on the walls too, right up to the ceiling.

I am using a standard state of Texas lease, which points to an addendum for pets.

(normally recommended, especially if you are a landlord)- Water Backup: For water damage due to the backup of Sewers or Drains.- Personal Articles: Coverage for belongings that have a special or collectors valuesuch as Jewelry, Furs, Fine Arts, Collectibles, etc...Your age should not be a factor on the pricing but, depending on the company these other factors may get you credits:- Insurance Score (company pulls certain info out of your credit report).

under mount granite or quartz counter tops.. water closet  heated floors ..

Their fill hose sprung a leak or something and hundreds of gallons of water poured into the apartment below them.

Rehab to the standard of the neighborhood.

After that make sure you have your property up to standard before placing a tenant.

So act quickly, do as the others are saying and screen him according to your standard criteria. credit, references, eviction history, etc.