Me being a 1st time landlord I don't exactly know how the housing commision would react although this was an unforseen accident, I'm by no means a slumlord. 

Some PM's offer A La Carte services that lead to unexpected charges if requested, so it is best to go with a PM that has a more simple cost structure if that's what you desire. 

Looking for advice on how to navigate this unexpected scenario.My wife and I own 2 duplexs we acquired with owner occupied financing and house hacked/fixed up.

I have 4 single moms, an older widow, and a mother of 2 who lost her husband to a car accident the year before she began renting from me. 

So even if you pick a state with stronger protections like WY or NV, the cause of action arose in the state where the tenant fell, so likely that the court where the accident happened would have jurisdiction.

Failure to properly fund reserves will ALWAYS lead to "unexpected" Special Assessments and/or monthly fee increases.

I hope to exceed my pro forma and will be disappointed with my pro forma if I underperform it without a huge unexpected event (such as the Great Recession).  

Many investors, new and experiences alike, do very well finding fix and flip loans to get going, but fail to plan ahead for the perm loan and run into all kinds of unexpected issues. 

In the meantime, I plan to keep a portion of my savings in place when I purchase something so it is available for those unexpected expenses.

If you have an unexpected vacancy, repair bill or legal expenses to deal with, it could become a source of unnecessary mental and financial stress.