So if a tenant destroys the property, my insurance will pay me whatever their rent is up to 1 year and or until rehabbed/re-rented.

I always tell them, this is my offer, I am not trying to upset anyone, and you wont upset me if you say no.   

Not only did she destroy the house,  she had a large dog that wasn't allowed which also caused damage.

Chad,Jay dosnt need me to fight his battles so I wont.  

My wife and I have very good full-time jobs that we probably wont' be quitting so I plan on investing and maybe flipping on the side.

I think that the approach to a contract, negotiation, partnership, deal, or even simple forum conversation such as this is what truly sets someone apart and either builds or destroys credibility. 

(If they destroy the landscaping, that's a different story.)  

We currently own our house so this would be a second homeWe have credit scores in the 800'sWe make ~$250k/yearWe have (or better yet, my wife wont let me) spend that much on a downpayment so I need to get creative.Do I have any options or should I save/convince her to risk some money on this?

At Anne's request I have left the specific address out, but just wanted to share with you all my note to Anne as it may help as you look at purchasing locations in California right now.For some general news in CA/northwest...this weekend, there was some quite intense action with the Valley Fire as it grew from 50 acres to 50,000 in a matter of 24 hours... destroying over 400 homes...

If the office manager wont interview you then call the top brokers directly and ask them for 10 minutes of their time or offer to take them to lunch or to a coffee.