. ~ Refinish cabinets if they are at all salvageable I used to put in new cabinets regardless, but found that that has a horrible ROI plus it increases your exposure to damages.~ Refinish the sink if I leave the counter-top in place.

HML, syndications, crowdfunding, and a robo advisor for exposure to equities and bonds like Betterment or WealthFront.  

I should have posted during normal biz hours, my exposure fell to the wayside :P

The exposure was way beyond what I imagined.  

With me 20 years old and having limited exposure to credit, what would be a good way to make sure my credit is up to par when I take out a loan for the near future?

Don't ever underestimate the exposure an agent and the MLS can give your property.When your sick you go to a Dr.When your car breaks down you go to a Mechanic.When you need to sell your house you hire a Realtor.

Therefore, like your agent said, a $1M liability policy on the property (plus another $1M policy umbrella) is likely going to cover any liability risk exposure you might face.

And that is usually going to mean properties that have not had much exposure on the market.  

Regarding the expense assumption, I would consider an ideal passive management model to include a landlord insurance or maintenance insurance policy which would significantly reduce your exposure to risk.  

Rates between carriers will be different on each property depending on location, age, rental income, structure type...etcI don't disagree that you should have adequate liability to manage your exposure, but it seems to me that with 26 doors, and thinking about now a commercial policy and likely scaling further--you should have an agent quote your total portfolio.