I understand the tenant needs to pay for that, but I'm not sure if the tenant should have to pay for all of these other fees.I understand that if the tenant doesn't pay out of their deposit, then I have to pay these fees.I have two questions:1) Is it standard for a property manager to charge all of these fees upon move out? 

I will be obtaining flood insurance forthwith.

I was wondering how this would all work out there are going to be people out of work for extended amount of time and as we know most renters miss one week of work and they are broke.My other big thing I am wondering @Greg H. is how the lenders are going to handle the owners who get wiped out have no insurance and walk away from the property.. knowing how aggressive Texas lenders can be with deficiency judgments on mortgage defaults..

Also make sure you are crystal clear on what your mortgage, taxes, and insurance are and do not buy yourself negative cash-flow.

Gone are the days when you'll have an insurance Broker that holds and value your accountsattentively.I have to remind my agent that my insurance is due if I miss that letter from the insurer then boom itis canceled. 

Here lately with Hurricane Harvey I found out how important it is to have a good insurance agent.

An umbrella insurance should do when you are getting started.

(Market Value 265k)10% down + closing costs (32k)Monthly P&I + insurance/property tax etc.1400/monthCurrent tenant will stay on after purchase.1315/month rent. 

One of his rental homes flooded, and she threatened to sue him if he set foot on the property.I just assumed that standard landlord law gave him the right to enter a property to do emergency repairs or damage mitigation, but this lady is really freaking out and says she has a friend who is a lawyer who swears up and down he cannot enter the property without her permission.Any words of wisdom?

@Lucas AmuchasteguiThe best defense in my opinion is defined criteria that is standard across the board.