FEMA tells us that the average flood claim is $30K to $75k so I would use your discernment to cover the property again for your renters I think to CYA I would draft some form that says the property had a loss before and suggest that the renter get their own flood coverage. 

Whoever fabriated her paystubs are not intelligent enough to make a convincing story on easily discerned details.  

I don’t want to be reckless that’s for sure so some sort of control and discernment is needed within all of this (well for me anyway) Thanks for the encouragement! 

I do this using VestMap's DISCERN reports. 

It doesn't give you any noise db readings but I think you'd discern more info.

One of the skills in this business is being able to discern among prospective tenants who all have imperfections.

The readers here are wise enough to discern through all this and make their own decision how to invest in a way that would benefit them the most.

You could accelerate after going through the process once.I also think you need to learn the strategy even if you were to be a private money lender as you would need to be able to discern if the investor that brings the deal to you is accounting for everything.

I like to look at the DISCERN factors for that exact location. 

Your comment: " I will reserve judgement until I experience otherwise" Your ability to discern ethics is very close to the edge.