Also 4th quarter of last year Packwood and county officially did discuss potentially regulating STR's by either limiting numbers or adding a tax to cover increases in local services that are needed. 

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

Many state fair housing laws cover properties or situations that are exempt under federal law.

I'd suggest using a minimum of 25% of gross rent to cover expenses on paper until proven otherwise on any given property.Only you can decide how much cash flow is acceptable but I wouldn't consider something that essentially breaks even.

If you want out of the deal, 6% interest isn’t even enough to cover inflation, we deserve way more interest for use of our funds and the profits Werner Mercado is making at our expense.  

It is investment banking, so the rules are much different than your "normal" lenders who offer mortgages or loans to cover a single or portfolio of collateral. 

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

I was wondering will the insurance cover the cost or no because no police report?

So, often times even if 1 or 2 of the units in the building are not generating any rent, the remaining rents are still enough to pay for all of your property’s expenses and you don’t have to come out of pocket to cover them.