It covers all damages and loss regardless of cause - which does cover loss of use as well.Insurance – Owners have obtained insurance to cover fire damage to the building itself and liability insurance to cover certain personal injuries occurring as a result of property defects or owner negligence.

So I agree the potential impact on the oil markets will be negligible for quite some time.

Yes there is the funding fee, but that funding fee is negligible when you consider how much in interest you will pay with conventional interest rates vs.  

My thoughts coming from a non-attorney; an LLC will not protect you from any professional negligence or tortious claims, but may protect you from certain liabilities that could arise from owning property with tenants.I would get advice from an active CPA in this space on transferring property to an LLC-- you wouldn’t want to trigger any tax obligations, and you definitely want to document as necessary.

And your chances of getting damaging tenants expands exponentially in this kind of venture - let's assume that your chance of getting a negligent, damaging tenant is 10%.

The monthly/daily interest calculation and amortization differences are negligible.

It is not a negligible expense, either.

(Or more likely settle the suit) if you are negligent or criminal you would probably be personally liable anyway.

The cost is negligible, and offering this probably even HELPS sell the event.

Language such as 'gross negligence' and 'willful misconduct' seem like words that would be too hard for me to prove in court, if the manager failed in their responsibilities.