This is somewhat hard to follow but I think what you're saying is that your business partner filed a personal articles insurance claim and they ran a loss history report on your partner when applying for insurance on this duplex?

To me, the best thing you can do is find a buyer who is willing to buy them from you via a quit claim deed (even if it's at a loss) so that you can start over.

Can I see a list of loss runs for the past 5 years?

So that I find out doing my own calls to find out why the offers was denied even was just so close from asking price and Im willing to go with second offer, I found out that the place has reserve litigation issue and my agent who I rely on and keep emphasizing how we need to work smart dropped the ball again on me and didn't due enough diligence even he claims he knows how to do property searches etc etc which made me feel its an extra that he has, it was very sample to just ask the listing agent so not to waste my time neither his sending unnecessary contracts...

Unnecessary?

Yes, you lose the value add upswing, but you also reduce potential money loss and time loss.

But also working with them if there is a job loss or a roommate moves out.

Two are being forced to sell at a loss this month.

Sometimes before even asking a specific question, they will start rambling a rehearsed excuse story on their credit, previous landlord troubles, job losses, etc.

That's what I did, and it cost me an unnecessary $20k.