Are you set on these only being your choices? 

FYI - I checked with my insurers about increasing the coverage values, and I was told by the agent that is the value their construction cost algorithm shows and, while my choice, I would overinsure by paying for more coverage.On the surface, it's great insurance - more coverage for less premium.

Its actually a hard choice to make, but once you do, it is the best choice.

Thanks @Adam Bartomeo and @Chris Seveney.My plan to move the rental property to an LLC was to remove personal assets from any liability claims (i.e restrict liability claims to assets of the LLC).Yes my plan were to quit claim the deed to the LLC, but if the mortgage company is not cooperating I probably have little choice but to leave as it is.

I would bet dollars to donuts he's still doing drugs.

Out-of-state investing is a top choice.

The presence of the dehumidiers is something, but -- and I'm no lawyer here -- I'd bet that's not enough to hang your hat on in a lawsuit.

I'd say that's your best bet to make anything cashflow in Port St.Lucie.

That’s the best bet.

The NAR Settlement doesn't mean buyer agents won't get paid, it just means they need to be more transparent about it.Like others have said, your best bet to purchase with lower fees and overall better price is to prospect and find motivated sellers.