Plus, there was lots of damage in a short period of time from those instances.That's okay because I have great support from my property management company, PPMG.

It's mostly Class A properties, a few Class B.You may find the below copy & paste info useful in addressing your question:----------------------------------------------------------------------------------Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

The Real Estate Crash of 2008-2010 caused real estate prices to crash across the country - but didn't affect rent amounts.

Do you think this issue is specific to banking services or what do you think is the root cause?

And even if the tenants chooses to stay in your property for 2yrs, the damage they may cause will eat away all of your cash flow and leave you potentially upside down.

Why is that cause if their not he is no use to you lol!

If you really want to get rid of them, sweeten the pot by offering to return their deposit after you verify the unit is empty with no damages. 

If a person owns a rental property in IN and if something happens on that property, the cause of action (lawsuit) would go before a court in IN, with an IN judge, citing IN law.

Class action lawsuits are already being discussed and there is potential at least portions of the blazes were caused by arson, often excluded from coverages.

You are basing your claim of damage solely on the time the seals lasted not on the type or cause of the damage.