He says it's against HUD policy and she can lose her ability to sell (I'm assuming he means HUD homes).

My fear is once a tenant sees a dent or scratch on the appliances they have zero interest in avoiding or fear of scratching/denting the appliances more.

Right now interest is too low because at zero.. savers are getting killed and the bond market is about to explode and the stock market has been going crazy because of inflation.

Take a look through your lease agreement and see if there is a cancellation policy outlined in there.

I like how you put that you're starting from zero.

Subtract contract labor to zero scorp expenses.

On top of that, I have a commercial liability policy and an umbrella on my personal side.

The fire happened several months ago and I actually filed a claim against his insurance company for damages to my home, but found out last week the policy was not in place at the time of the fire and therefore my claim will not get paid.

Perhaps it is supposed to mean that a property should generate positive cash flow within 2 years (I wouldn't tolerate that long)?

However; much of what happened was due to the policies put in place that they had no say in, or control over.