First, does the HOA allow rentals and if so, its likely they will be a pain to deal with if your tenants happen to break any rules.

Maybe something like, "we don't provide reimbursement for spoiled food, but I understand being without a fridge for a few days while a new one is delivered is a pain.

Most people harbor pain and often guilt and shame from their past.

The pain and drama is not worth it. 

I have definitely learned that if I anticipate 3-4 months to "find" all the hidden gems (insane tenants or lack of them, bed bugs, "do it yourself" tenants that kill two units) that my patience and tolerance level to "pain" (pain = the dreaded phone call that you are not going to cash flow this month) is much higher. 

Nothing wrong with it as long as they are cool with it, but it was a little bit of a logistical pain with both our names on everything for a bit while we sorted out mailing addresses and such. 

I sent him a three-day notice and raised his late fee to $100 because he has been chronically late every month.

I have gone through the pains, tried multiple "trusted" companies, and still got screwed over.  

It was painful.

So I get it painfully (every morning).