@Lou Cautero - I'd be happy to talk with you and see if we have any common interests.

You talk about consistent performance but you are going off of the word of inexperienced investors who don't have a clue about what they are doing.  

It's clear they are not willing to even talk about it and we would have to make a big issue of it - threaten to pull out of the lease or bring in lawyers, and that doesn't seem to make a lot of sense because it will just make our lives hell and cause our business to suffer.

I have talked at length with CPAs and IRS people about it and it can cause you a problem.

He or she could have suggestions for those you might talk to you.

Happy to talk.

This is dangerous territory because you are talking about your family.

When I've talked to clients who want to buy their future retirement home, I first understand what they want in their future home.One person I talked to estimated that a Las Vegas home costing $800,000 to $1,000,000 on a golf course would accommodate their planned future lifestyle.

while we are talking about it Cal Fair  how much more are they than what had been typical insurance rates  ??  

There are limited exemptions such as if you inherited the property where it would be allowed.There are technical means to navigate the 90 day rule but your best bet by far is to talk to the lender and let them know the situation and ask for their direct guidance.