At this point I would stick it out with insurance, and get renters insurance involved too because you’ve already racked up a big bill.

However, the Most alarming thing is they have allowed the water bill (they pay for all utilities, but the city bills the water to me) to mount over $2k over the last several months.

If you don't have it you can call your insurance company and ask them to email you the declarations pageRecent Mortgage Statement:2 Different Utility Bills: Gas, Electric, Cell Phone Bill, Cable, Garbage, any two utility bills.Copy of Mortgage Note all pages: Was included in your closing documents when you purchased the home.

So when that buyer refinances and pays you off in two years you won't have a tax bill then either.

No evidence of wrong doing but the landlord is currently in court processes for medical bills , ptsd , and a list of of things . 

There's a bill in AR that hopefully will get passed which would stop local municipalities from enforcing regulation on STR.

Quote from @Bill B.: @Christian Gibbs check out @Dave Foster here on BP.

Think of all the horror stories about tenants maxing out the heat with their windows open during the winter, deliberately running water bills up, etc.

Notably, we were able to work with local lawmakers to adjust a proposed bill that would've included STR's in an "empty home tax" that would've essentially made all the STR's on the island unprofitable.

As many of you know, Assembly Bill 968 will take effect on July 1, 2024, mandating flippers of residential properties to disclose recent repairs and renovations if they sell within 18 months of acquisition.