I have been considering joining AAGLA and know they have lease forms and other forms, but it is $199/yr.In the next couple months, I am looking to get a standard CA NAA lease written up with RUBS for water and sewer billing and a requirement for the tenants to carry their own renters insurance policies with $100K or so (if there are recommendations around this please let me know) liability limits.Does the community here have any advice on how best to do this and where I could get a lease form that does the trick?

If it's not included in the rent, many companies charge a flat fee to monitor & pay utilities.2) Assuming you're referring to resident benefit packages, renters insurance, and other charges for services the PMC offers to tenants. 

Quote from @Matthew Paul: If the man wanted to he could sell the house and keep the profit  Are you willing to insure the OP if she buys the house?

Is there a type of mortgage insurance or bond you can get for owner financing that secures his position? 

If your concern is liability, what I did was get an umbrella insurance policy on the properties I house hacked under my name.

This is a very common agreement, in your space your problem and they also should have insurance that if its extensive insurance would cover it. 

You can check their insurance coverage, any active lawsuits they have, their workers comp rate (how safe they are on the job site), and other metrics.

Landlord Insurance: Get coverage for damages, liability, and rental income loss.This post does not create a CPA-Client relationship.

Secondly, he again did not fully disclose everything and was pushing for the signature on the final closing documents, in them he has 2 seperate title agencies involved as well as a third party construction company listed as the policy holder for the insurance for the home, and the figures for sale are different from those on the sale agreement document that I did sign, with clauses included that state if the title is not free and clear that the buyer has the right to sue me for insurance purposes and to cover the silent second mortgage that I was only informed of because the title agency called me to say something was up after arranging the notary to come to me to sign the final documents (at which point I said no and had a copy of the closing documents emailed to me), and again the so called real estate agent negotiating the transaction is listed as the buyer (under the guise of being part of ushomebuyers.com, same as the agreement to sell). 

In the past with owning duplexes in Milwaukee, One rent paid for the mortgage and the other paid the property taxes and insurance.