Maybe consider an outdoor spa pool as an amenity.

For house flipping, consider an LLC taxed as an S-Corp to reduce self-employment taxes by taking a reasonable salary and the rest as distributions.

Beofre I consider an unsecured loan, I would love to hear if anyone on the site has any stories good or bad to share.

(Extra credit) - you could consider an interest-only ARM loan to decrease your monthly cash flow OUT because you aren't paying the equity portion.

Consider an Escalation ClauseIf you’re worried about competing bids, an escalation clause can help.

A few things to double-check: make sure all tenants (especially commercial) are on solid leases, confirm zoning allows all current uses, and consider an environmental check due to the auto shop.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

The alternative for us was to consider an umbrella policy for our properties.  

You might also consider an additional pet deposit or a stricter cleaning fee for excessive mess.

Consider an unlucky combination of circumstances - i.e. you loose your job at the worst moment.- increase in vacancy to 30%, 40%, 50% (this could be a combination of bad luck: one unit water damaged, one unit tenant trashed, and you have to evict two more - on a 10 unit portfolio that would be tough, even though only temporary)- lower rents (for whatever reason, what happens if rents go down 10% or 20%?)