Have a nice day.If they get a lawyer, direct the lawyer to your insurance agent.I'd be really surprised if you got a summons or heard from your insurance company.ALSO, i would non-renew at the end of their lease term.

Although it would be nice!

Not that I plan to live in or even visit the US anytime soon, but I don't want to deal with winter-related issues like heating, de-winterizing a home etc. 

Might be nice for your personal home but I do not think on an investment property is worth it - except for the marketing angle as people like our salt water pools.

@Wale Lawal I would like to gain experience but like you said that is my long term goal to get appreciation and build a nice portfolio over time.

Ditto, I use PriceLabs for my STRs - here is a nice writeup ...Airbnb Smart Pricing Vs PriceLabs: An In-Depth Comparison For Hosts | Boost Your Short-Term Rentals

A good DST would absorb the rest of your debt nicely.

They blew up my nice rate lock for no specific reason and would not extend it even four days. 

And they are super nice.

For example, an ADU is nice for a rental, but not every home buyer wants to pay a premium for an ADU on their property.This would be case by case and property dependent.