I would consider an operational wood fireplace in a rental about as much as installing a trampoline, providing a complementary pit bull, and a zip line off the roof. 

Unfortunately most sellers won't even consider an offer like that because it puts the burden on them to pay the tenant relocation cost which will be anywhere from $8,000 to $22,000. 

A few things to consider.

However, good mortgage terms are not the only thing to consider.

How long do you consider an agent to be "new?"

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

IMO identify what you would consider an emergency.