Make it clear to current and future tenants you have a zero tolerance policy for violence or crime - this was both. 

I heard recently that Old Republic (home warranty company) recently changed their policy that if the condenser needs to be replaced, they'll also replace the matching handler at no additional fee.Any insight on the topic is much appreciated!

Top down policies alone, no matter how progressive, are not enough to change the dynamic of a city without help from market forces and private investment.  

But I don't want to carry two policies, or is that the only way? 

(And If the liability scares you, go with  a good landlord policy and add an umbrella policy (mine allows I think 4 or 6 residential properties)).

The reason is is because registered lenders are subject to examination, they have regulations that vary but may get into areas of reserve requirements, net worth requirements, insurance, bonding and they are under regulator controls, many must submit a "call-report" that outlines the lender's financial position, number and types of loans and other lending business aspects.Registered lenders will generally follow prudent lending guidelines applicable to their type of lending activities, they will or should be consistent in their policies, they should have written policies applicable to their loan products.  

My policy for landlord insurance is pretty solid, can protect me from basically anything.

Appendix Q IRC. https://codes.iccsafe.org/content/IRC2018/appendix...You will need to get a GL insurance policy for a couple a million or so in case one falls down on the hwy.

It seems to me the lender gets paid as an additional insured on the seller's policy. 

-Make sure the Loan Number is included in the policy.