He hit a gas line (not a huge amount of damage), and there is an extra bill coming to me from the gas company for the fix/labor/material costs.

We're doing 30 and even 40 year fixed using 80% of AIR DNA to calc DSCR. 

Here in New York, it's kind of up in the air. 

The potential damages would likely be less than what it would cost to litigate, especially on a smaller deal.

I have a fully furnished home I want to put on Air BnB.  

Unfortunately, appears you've gotten exactly what you deserved due to your poor screening.Hopefully, you've learned from this painful lesson.Hire a well-screened landlord-tenant attorney and evict them and sue for damages.

In general, tenants are liable for damages caused when they breach a duty.

Some of our properties that were cash flow negative initially now have the best cash flow thanks to rents going up in these great locations, and very little turnover, vacancy loss or tenant damage, etc. 

I run an air BnB out of my home in Southern Vt And I own 2 condos at Mt Snow. 

If their rejection results in additional damages, they are financially responsible.Do not enter the home when children are home alone.