Don't misuse those loans and make sure to leave yourself plenty of margin or you are asking for trouble.

I often see disposals misused.  

Because I'm pretty sure that's a very misused word in real estate investing.And if so then let me go full zen on you - Does passive income really create wealth or does earned wealth create the opportunity to generate passive income?

@Scott Schultz this seems like a completely solvable issue and a misuse of how you're perceiving leverage. 

I would relay to the landlord that it is a structural defect in the property and not due to your misuse.

This keeps my money secure and I don't have to worry even if someone tries to misuse my account. 

I think you would only charge them if you had evidence to believe that misuse caused the damage.

Should one or more of these items need repair or any maintenance due to tenant misuse or negligence, Landlord will not be responsible for the cost of such repairs/maintenance.

It's like "begs the question" - eventually enough people misuse the term that the UrbanDictionay.com definition becomes the Dictionary.com definition. 

This ratio: (Net Operating Income / Price) is the often misunderstood and misused CAPitalization Rate (CAP rate) you see bandied about BP.