We were told by our mortgage bank that Refi as a primary mortgage is not allowed unless you plan to live on the property for at least 12-months; it's possible to later (like 3 or 4 months later have a "change in life" situation) that causes a change and forced you to move.

As long as its a fixed rate, any harm in doing that to get all the money out? 

This is only going to get worse and cause more damage. 

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

Too long and it tends to slip under the flapper, causing the problem you observed.  

However, don't let it cause "analysis paralysis".

We had a cleaning crew just today elect not to show up, causing us to have to move the guests to another cabin.  

DP3, DP2, DP1 type of policy - the quote provided is a DP3 policy which means it provides the broadest coverage when it comes to causes of loss.

Low cost but loud if someone breaks in.Ultimately, it can be a lost cause in the super shady parts of town. 

re: moisture damage. were the pipes sweating that much to cause such extensive damage or what is the alleged cause of "moisture" from the ductwork?