The issue here is that with investment rates as they are, I'd have to put more down (25% vs 20%) and then I'd be left with a long road to rebuild or repay that downpayment before I could repeat. 

For most people, that’s foundation and structure issues.

Most are not as good at determining the accounting and tax allocations issues. 

If your lease is not written with that clause, you can still try to bill the tenant but you might lose if they challenge it and it goes to court.The maximum fine is determined by state laws and then may be further restricted by HOA bylaws.

Landlord / tenant laws are very reasonable, and there is strong economic growth in the local area. 

Now, consider that same scenario in a duplex investment, where one tenant is still paying and even if you have issues with the 2nd tenant you may have a chance to weather that storm.  

Does anyone know if feedback has been provided to the issues regarding outdated data? 

The company should have made an inspection prior to issuing the policy . 

So not sure how long the issue was there. 

My issue I am running into is I recently switched into real estate full time so I do not have a w2.