And all the tenants' security deposits and all the buyers'Earnest Money Deposits don't need my asset protection, as they are not my funds, and are certainly not covered by any of our Umbrella Insurance Policies. 

Oftentimes my initial consultation call with a potential client runs 1 hr and that still doesn't give me enough time to cover everything about the STR market on O'ahu.  1.  

By providing the necessary funding and covering renovation expenses, we ensured the project stayed on track and within budget, leading to a profitable outcome.

What surprised me is that USAA covered all of those houses.  

- Why didn't the contractor's insurance cover this?

Rufo, so you are violating the HOA rules so I don't think they would cover anything if it is the fault of your guests.This will eventually catch up with you and could result in some big fines so maybe think of selling this or converting to a LTR instead.

I'm trying to get a mortgage, but it's entirely possible that the mortgage might not cover 100% of the price of the house.

Do you need to increase rents in the next year to cover your costs?

Part or all of the rent is covered by the US gov't (take that as you will).

I'll go with @Greg Scott line set metal cover idea and @Chris Seveney idea for painting the copper white.Thanks folks!