Long story short mental health coverage for our kids is not cheap and often out of network; out of pocket.

"for $___/year, we provide "x" additional inspections")6) Liability policy that covers tenant intentional damage, criminal acts, and unpaid rent when skipped or evicted (through insurance provider that provides this kind of coverage)7) Financial reports per quarter (as whatever period makes sense to you) (this can allow you to advise the owner on the health of their portfolio)8) End-of-year review of the property to show conditions and suggested needed and preventative maintenance items 9) Preferred vendor discounts (requires a contract with a vendor to give better pricing)10) Eviction protection programs (this is usually done "in house" when you have sufficient number of units under your management to be able to offer this kind of program)11) Legal services (requires agreement with landlord attorney to provide those services at set fees)12) Professional photos option (for enhanced listing)13) Professional, licensed home inspection (this is more relevant for older homes to ensure safety and habitability are addressed) 14) HVAC filter replacement program (this can also be a program offered to tenants)15) Pet and ESA screening through pet screening vendor (helps to streamline and increase quality of screening)16) Client portal account for ease of communication, updates, reports, etc.

How do I get an accurate value based on HOA financial health and interior defects?

So if you have need for a liquid emergency fund for your health, I don’t think you should play with that portion by buying properties. 

Should we bother trying to wrestle with Trendmaker or HVAC company, who has since rebranded, for compensation (all of this did lead to significant health issues which is another story entirely as well) Question #2...

Contamination is where it can get a bit pricey, when the contamination remediation is said to be complete make sure that the property gets a clean bill of health from the state.

The neighbor who is living there has developed a pretty bad mental health issue and has become very erratic and displaying violent behavior even threatening to kill me and my tenant.

That is where I draw my take on Sell/Rent my biggest fear is the "What if Factor" - drop in tourism, association comes under litigation, hurricane (This season looks like it will be "Very" busy), Sickness or health issues or other.

As Joel notes, it is a great way to monitor tenant health and be prepared for failing tenants ahead of them stopping to pay.

A chapt 7 takes about 3 mos and you are back on your way to health.