The insist that once the account is paid off in FULL, those funds MUST go to the original borrowers.  

When I have injected my ideas of lower leverage to those that are worried about high leverage, I have had a number of people insisting and trying to convince me that being leveraged at 80+% on all of their properties is less risky than my having a lot of my properties paid off.

If you insist on creating a structure, don't kill yourself with complexity for no reason.

Attorneys (want your money), YouTube gurus (want your eyes), and amateurs (don't know any better) will all insist you set up an LLC for asset protection.The truth is, you don't need it.

If you don't see evidence of mold but the tenant insists, offer to hire a mold specialist to test the home.

But there was a catch—they insisted on using a hard money lender.

When the guy insisted and wouldn't cancel his booking, we had to cancel it for him and VRBO took away our premier host status (I've since got it back) because of cancellation percentage.

Generally these go for a small $ figure and they insist if your units become available you let them know first for vouchers for a period of time. 

So please explain how this is better (I'm assuming since you're suggesting it you think it is better) from the numbers perspective you keep insisting on focusing on. 

I also have a one-page Mold Policy that explains how we will move forward if they insist mold is present or impacting their health.