If it is the normal stuff I would let it be and plan for the needed repairs to get it occupied. 

Normally, we do not recommend keeping a home warranty after the first year unless you have an expensive item that seems likely to fail - for example, the HVAC.In general, property managers hate working with home warranty companies.

Account ClosedThere are normally two ways for more than one individual to own property1) Tenants in common2) Entity owns the title and there is paperwork that indicates that you both are owners of the company(LLC, LP, GP, Corp, etc)You need to report income if you are receiving rental income(regardless or how ownership is held). 

I live in a 2200 square foot house and just got my power and gas bill; power was $68 and gas $55.Several years ago we had a bad ice storm here; knocked out power on us for 5 days (worse for others out in the country). 

that is what we normally do but I do market it as having the generator so that water and heat isn't an issue in a storm.   

@Kelly Natkie the normal hard money market charges about 10-12% with 1-3 points up front. 

This may be less that the LTV that they would normally approve. 

Does any of this seem normal? 

You are correct that if this is being used there is no leeway for you should the tenant vacate leaving damages above normal wear and tear.Your tenant is "stuck" paying the rent for November. 

Or am I stuck with this self inflicted gun shot through the foot?