Then have your insurer review your property to mitigate any risks. 

However, you run the risk of the same thing happening again. 

If so, do I use my personal bank account to apply for a loan or do I need to put money in the business bank account? 

If you are contemplating a vacation rental in an area that doesn't have any, it is certainly a risk.

This lets your HSA grow, and since qualified withdrawals are tax-free, putting more aggressive investments in an HSA can pay off in the long run (similar to the “put your risk in Roth” idea).4.Rollovers & Debit CardsMost brokerage HSAs come with a debit card, so spending isn’t too hard if you ever need to.

House hacking is an awesome way to get your foot in the door without to much capital or a ton of risk.

I think this depends on your risk tolerance and your interest rate.  

I don’t know why anyone would take that risk for little reward.

By letting the tenant know that while you hate what happened to her and the position it has put her in, you are not the right vehicle/organization to subsidize her. 

Similarly, if you put several Class D tenants in a Class A 4-plex, what do you think will happen to the property?