Call an insurance broker and see what options they have based on what and where you are buying. 

Looking forward to your input.TroyView report*This link comes directly from our calculators, based on information input by the member who posted.

Try to make your decisions based on that and not as if it were your personal home.

I am not new to this game, and I have dealt with many hard money lenders.

There are a few Duluth or Superior based folks active in the forums with varying degrees of regularity.  

G'Day Trevor,Just posted the same below to another investor asking about turnkey and my advice stays the same 😁There aren't many "true" turnkey companies around anymore and I've seen a trend where investors want to DIY out of state and country.Personally, I think this is an even bigger recipe for disaster than buying turnkey.But that's just my opinion.Back in the day you had many "turnkey" companies selling crappy properties in crappy areas for a lot more than market value.Then they pass you on to a 3rd party PM that nickel and dimes you to death.Granted, if you want to DIY I would always advise moving to the market that you want to invest in.Spending enough time with key people needed to make your venture a success.Yep, easier said than done 🤷‍♂️If you DIY from out of state, you will probably find an "investor friendly" agent that will flog you expensive property from the MLS, refer a "good" contractor and then you will most likely also get nickel and dimed by a referred "trustworthy" PM.IMO, you are safer finding a reputable turnkey provider in a market that you want to invest in and go from there.If $#%@ hit's the fan (Which it always does in real estate), at least you have everyone to blame under the same roof.A true turnkey provider will have everything an out of state investor would/want and need under the same roof.No finger pointing is allowed lolI'm bias as we offer turnkey so take my words with a grain of salt.Just happy to offer my 0.2 Aussie cents.Wishing you much success

That said, you do not have to accept damage to your premises by any tenant, so you are well within your rights to charge these tenants for the damages or move to evict or non-renew based on the damages. 

My engineer did briefly mention to me this was a risk but felt comfortable defending our position based on our compliance with AASHTO and we never discussed again.

A game of wack-a-mole.The more stable areas (a solid B vs a C-) experience for more engagement by the residents to want to stay in their home since they are reasonably hard to find and qualify for.Hope you are doing well my friend!

Hey Jae- welcome to the game.