As folks temporary housing is expiring and they are realizing that insurance will not be enough to cover the full damages caused by Harvey. 

I wouldn't worry about your insurance premium hopefully this was a temporary problem that has been resolved.

Good news, that window of time is only temporary and will end in less than 1 year. 

I know these are all red flags and I should have done my homework but honestly I just needed a temporary manager until I return to the area.

Services like ZipCar in my humble opinion are just a temporary phenomenon.  

It could create a temporary softness that could create a buying opportunity.  

The catch is they want a temporary lease until their financing goes through (30-60 days).It is a large property, 3,670 square feet, where a lot of damage could potentially be done.How would I write it into the contract where I get a large, non-refundable down payment (eg: $5,000) to ensure that the buyer has an interest in closing quickly and not damaging the property?

Moving when renting is trivial, nothing to sell, just give notice and go. 4) Many people think they can't afford a house, so they never try. 5) Some people really can't afford a house, so they rent. 6) Short Term / Temporary Work Assignments7) Irresponsible with money8) Really poor credit or excessive collectionsLots more I'm sure, but it's too late to think too hard.

So, I  have always wondered why the FHA 3. 5% with permanent PMI is usually touted as an introduction vs conventional with less than 3.5% downpayment and temporary PMI. 

At this point you REALLY NEED to assess your current tenant and decide if this is a temporary blip in the road or if they are not going to last long term with a more systemic and continuous problem.