The current landlord started putting in carpet to reduce noise complaints.Of course carpet is expensive to replace and a lot of tenants destroy the carpet.In the past, I've always Costco laminate floors,  zero carpet, in all rentals.

Though I am not sure how to protect myself should the tenant choose to destroy the apartment, for example.

You may only charge for contracted expenses, rented equipment, material destroyed, items replaced and actual cleaning expenses.

I don’t know what she could be doing in there aside from actively destroying the place.

I have no reservations re: true service animal; its the pets who will destroy my asset that i fear.  

I do this because you cannot see the interior of most auction homes, but few are totally destroyed.

If "deadly fire" means that your collateral was destroyed, then your last recourse could be to a vacant piece of land or a property with a burned out shell on top of it.

Hello everyone, I'm not an experienced investor I should say from my experience that I'm a terrible one, we owned a doublewide on a 1 acre lot in Gainesville Ga that took us a lot of work to pay off ($59,900 owner financed at 10% interest) but once we finish it we tried to rent it out and it didn't work, tenants destroyed the property so we left it alone for a few years.Two years ago I decided I was going to fix it myself and I did, it took me 1.5 years and at least 20k but once we finish it we had a bad storm in Georgia (Irma) and three trees fell on top of the house.

Are they gonna be vengeful against the bank by destroying the property?

The insurance is destroying my COC ROI.