At this stage its capital preservation being the goal.

And renter was sent an itemized list of damages which is not excessive thankfully for me but she is mad she isn't receiving the full deposit back.   

Your lender, who provides the funds, will have their own borrower criteria, which they should communicate to you.It sounds like you have a thorough, relationship-driven approach to lending, which really sets the stage for success by focusing on the borrower’s track record and character first.

The 1920s in Florida was a time of excess, immense wealth, and precipitous collapse.

I expect turn over will be in excess of $5k.  

At the same time no matter how much excess insurance coverage you obtain, there will always be a policy exception for gross negligence and even negligence will likely be covered only under reservations of rights meaning the carrier can opt not to provide coverage. 

If you can concretly tie increased usage to that unit, I would give a notice that rent is increasing due to excessive use.

What stage are you currently at in your real estate journey?

Here are the four things I order  1- BPO (150.00)2- home inspection (350.00)3- pre-lim (225.00 maybe free)4- appraisal. (500.00) That 1225 tells me everything I need to know and I’ll kick the deal at each stage if the numbers don’t perform. 

It’s ok.I am the type of introvert who can get on a stage and do ninety minutes of speaking without blinking.