(there is enough space under the roof to set up the central AC).A few pros and cons that I can think of for each option:Mini split:-Flexible room temperature control-Less costly to operate if I turn it off in the rooms that I don't use-Takes more visible space, not very pleasing to eye-Renter might loose the remote or break the unit (somehow!!)

Seems like he cannot differentiate btwn regular wear and tear and intentional damage/ Paint requirements: Interior walls, ceilings and other exposed surfaces in rental units must be kept smooth, clean, free of flaking, loose or peeling paint, plaster or paper and maintained in a sanitary condition.

A hinge can come loose from normal wear and tear after a year or two or ten if the hinge wears out or the screw hole wallows out. 

In return the rent will go up in 45.5 yrs and appreciate by x times in 45.5 yrs ( the time to loose the $80K)!!" 

Electrical connections get loose and wonky, roofing material flies off, gutters get tore up, hvac and water lines get messed up. 

I also don't know if changing the insurance policy would also require me to loose the homestead exemption and DV discount on the property taxes. 

Evaluate risk and minimize as best as possible..you can loose a lot more with the wrong tenant. 

I can't afford to loose this money.Darling...  

I'm concerned now and for the future loosely sharing plans that have costed me and my partners a good amount of money.  

If you don't you're going to loose money.