All good paint claims to cover in one coat.

I suggest no lower than $1,000,000.I'm no lawyer, but if this property is in your personal name, and a lawsuit finds you guilty, you will personally will be responsible for any claim over $500,000.If this property was in an LLC, the LLC would be responsible, protecting your personal assets from the claim.That's the reasoning behind an LLC.  

One company claims to be turnkey then they give an estimate of how much work the home needs in repairs.  

He claims nothing is going on...whatever, I lived in apartments for 10 years and never had such a crappy neighbor.

Slips and hurts his knee and claims you were negligent?

I probably could have them refinance it for a lower payment (30 year) and Quit Claim on to the title, and sell the house in the future or rent it out.  

If the buy and hold doesn't get to that 1% level, is cash flowing a property then unrealistic? 

I anticipate that it could cost $5000 to fix and I'm questioning whether to take the insurance claim (deductible is $2500).  

The appraiser claimed I'd never get what I told him I expected to get in rents.

But they claim it was an "Act of God" and therefore not our fault since there was no reason to believe that the divider was faulty.