You will get early gray hair, and possibly lose faith in humanity.

If this is your goal to live off of rental income you will need to acquire many properties until you reach your overall goal of making enough off rents that will cover all of your living expenses plus a little extra for fun stuff.

So I don't follow CO STR stuff other than basic reading posts here and some other places as well.I hear you that we are talking about primary residence STRs but that can change just as fast as non occupied IMHO.

Lots of stuff to do but at least I now have a direction.  

Your insurance covers your stuff.

Because of "life stuff" I just may not be ready immediately.

I'd also mention that the rents were raised because they were well below market value and still are below market value, so they've been paying less in rent for X years.I'd also explain if the floors get replaced, they have to move all of their stuff out of those rooms and leave it out until the new floors can be walked on.

The fluffy feel good stuff will clog all the time . 

I know you've got stories for sure, especially as a contractor I'm sure y'all see wild stuff!

We use https://www.natschkeloans.com/for most of our investment and DSCR stuff.