I will give you the common-sense answer below, but this is California, where common sense doesn't exist.A mandatory evacuation is outside of your control, so you shouldn't suffer financially because of it.

I don’t know how common vacancies are but I would say I could cover about 4-6 month in case of an emergency  

Common fees will include a set-up fee, a leasing fee for each turnover or a lease renewal fee, marking up maintenance, retaining late fees, and more.

* How do you advertise your vacant units?

It did not make a loan, so that is false advertising, and the contract, which is the the mortgage, is based on fiction, otherwise known as fraud. 

The most common deductible I see countrywide is $5,000 for your standard deductible. 

This is one of the last investments that the common man or woman can make and get ahead in life.  

But in terms of the upfront fee, this is actually common in a commercial loan.

We've never advertised.

That means having procedure and protocol for every situation--or at least, every common situation.