Worst case, you just cover it yourself and keep good neighbor relations.

10% is not going to exist, 15% still does currently, but it will be very hard to make work considering the current environment. 

I have found ChatGPT to be particularly useful for testing new Book Covers for BiggerPockets, such as our foray into the personal fitness category with upcoming title "Sweat for Life": 

Should I use my homeowner's insurance policy to cover the costs?

Point is, risk exists with ALL of it and there is no sure fire "guaranteed" anything.

The existing owner has it in a trust but it is not his primary residence. 

I hope that covers your question(s) Thank you Cari.

They gave us a pre approval on a cash out refi.

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

Those that own it can be harder to sell as the cash flow from the business will cover the debt service for the business, but not for the real estate.Example: I had a very high-end assisted living facility on the market.