I think it is holes in their algorithm.

Any claims for monetary reimbursement for medical expenses due to illnesses, discomfort, or medical conditions that the tenants may claim were either caused by or worsened by alleged mold in the home will be denied unless the claimant proves with 100% certainty with a medical doctor’s definitive diagnosis that the health problem was directly caused by mold in the rental premises, and that the manager and/or owner was negligent.

At this point you are focusing on an extreme minority and not the practicality of litigation involving  a real estate investor or the monetary objectives of a plaintiff's attorney.

If they wanted to dig into it and see the actual documents it would be costly, since the document is private and protected by attorney-client privilege.Asset protection is a bottomless rabbit hole.

For one property, Xcel is plenty adequate.Quickbooks is really a square peg/round hole deal for rentals of any kind.

I do not think you are going to recoup the investment from a monetary investment

If there's a hole, it may be a red flag.b) sensitivity analysis: I examine all the assumptions, and make sure I can live with the worst case scenarios.c) "Stall and see": if they are getting money over multiple years, and there is no penalty for investing later, I would usually wait so I get some real performance data, versus having to look at theoretical pro forma information.d) Recession stress test: I will not invest in anything, until I subject it to recession level stress and see if I can live with the result.

Mice don't chew perfectly round holes - that was made by a drill.I couldn't possibly get rid of this tenant because then I'd lose all the stories.

If there's a hole, it may be a red flag.b) sensitivity analysis: I examine all the assumptions, and make sure I can live with the worst case scenarios.c) "Stall and see": if they are getting money over multiple years, and there is no penalty for investing later, I would usually wait so I get some real performance data, versus having to look at theoretical pro forma information.d) Recession stress test: I will not invest in anything, until I subject it to recession level stress and see if I can live with the result.

Welcome to the BP rabbit hole.