It's important to choose that one and commit to using it.

Off-the-shelf policy that focuses exclusively on death benefit isn't it, and I see those way too often.

Choosing the right tenant is crucial, so take your time with the vetting process.

Make sure you choose one with experience and a strong track record.

When I choose to sell, I’ll make the determination of whether it’s most beneficial to sell the units individually and if I do, it’s an easier process since the declaration is recorded and the city already recognizes the 4 separate condo units.

It seems the most likely issue is simply having your personal names as the deed holder listed in a complaint although again, based on what you shared about your sound operations your insurance should cover any claims that would arise since you wouldn’t be triggering any coverage exclusions.

There is a lot of pressure to choose your tenants wisely, and make sure they all get a long.

The reason people pay for these courses is to deliberately choose their social circle, and a person's social circle is the most likely factor to dictate their level of success. 

If the value is there to where you currently own 20% or more, then you should reach out to the lender and ask them to schedule an appraisal.Keep in mind that appraisal is not free, likely ~$600 depending on who they choose.

Whether he chooses to respond is up to him.