Personally, I would start hitting the education piece of real estate investing hard.

@James D.I can recommend 2 contractors I have personally use.Send me a DM.Goodluck

Personally, I don't think you have a shot in hell of assigning the liability to the tile company.

Now this number will change if the person pays off early, etc. 

So how about an estate where person passed?

Your best asset would a friendly real estate agent. find the right person who's willing to help you and educate you along the way. 

I have never personally had issues with insurance even in the valley for my clients now that I think of it. 

House hacking will also give you some personal "property management" experience.

I have several clients that 'self-manage' or have a full time private manager that has enabled them to offer their manager/cleaner (occasionally the same person or couple) double the hourly cleaning rate (compared to national PM companies) while reducing the booking/cleaning fees for tenants. 

My personal preference is to talk with someone who is where you want to be.