I’m still learning the ropes of property management, so I really appreciate the opportunity to exchange ideas.At our property, we have a structured screening policy influenced by the Federal Fair Housing Act since our location falls under its scope.

Hiring unlicensed and uninsured contractors is considered  an exclusion under most property insurance policies, meaning you could be giving up that benefit as well.

You want this to be your backup plan if things take longer than anticipated, you do not want to dip into personal credit cards so i would use a heloc to help with down payment but try to keep a nice available balance on a heloc as your insurance policy. 

Originallyy posted by @Riaan Knoetze:Considering these COVID-times and policies around group sizes, how does everyone feel about a Zoom meetup? 

Trying to read between the lines it sounds like you have a regular owner occupied homeowners policy in place on a rental property. 

I don't think you can purchase a policy for one tenant, but you can create a master policy for all your units.

Also, can you say more about landlord vs renter’s policy on insurance ?

Take out 5 $2mm term life insurance policies for 20 years.  

So you missing that investors are well compensated for the risk associated with the various policies/regulations. 

You can also can copy their aircover policies into chatgpt and tell it to show this guest violated their policy to see if there is an angle you are missing.