They preyed on people inner motivation (which is family for most people) and try to relate to us so that we will put down our defenses.

There's not one right answer for everyone since we all have different financial situations, different ages, timelines, family situations, risk tolerances etc..  

Its extremely important when running tighter margins like what you're talking about to focus on age of HVAC, water heater, appliances, roof, etc.

Not all do, and there's potential those carriers won't accept the risk for a myriad of other underwriting reasons, too- age, current condition, etc.

And we have a chronic housing shortage, so finding renters (or buyers) is n ever a problem. 

My question relates to when and how to structure a business account.

If it lives up to the hype I guess a lot more age groups could have some exposure just like gold etc.  

If they find something I didn’t know about and they couldn’t have, or safety related then I’ll consider/cover some of it.

Also the fatal flaw with books is they're written at a point in time, which means they are not necessarily related to today.Still can learn a thing or two, but I would resist the urge to follow the book that hard. 

The basics of a seller financed deal are that the title co or closing attorney (if there is one) or seller’s attorney draws up the warranty deed transfers title, the promissory note evidencing the debt related to the transaction, and either the deed of trust or mortgage (whichever is being used) perfecting the lien against the subject property.