@Jason Goretzki the rule was actually to seal eviction records if the tenant won or it was incorrectly filed.

I guess the problem that I’m having is my cap rate is coming back close to 12 so either I’m analyzing this incorrectly or this is a great deal.

The property is about 100 years old, needs a new garage in the next 5-10 years and has some quirks to it like a slightly slanted floor and low ceilings upstairs (about 6-7ft high).

If you get to many "dings" on the Renters Legal Liability policy, rates will go up and you could decide to end it and go back to individual Renters policies and their headaches at that point.4) Incorrect - This $100,000 limit (which is more than most Renters policies provide by the way) is dedicated to fixing your asset first (just like you would want), but if the $100,000 limit isn't used up fixing your asset then your renters have up to $15,000 to cover their personal property.In summary, the product costs about the same, provides coverage to the asset owner FIRST, requires no tracking/monitoring by you or your staff, doesn't open the owner up to exposure between when you find their policy has lapsed and you get it corrected, and will decrease your P&C costs. 

The roofer incorrectly cut the internal roof drains while putting on a new roof, we consequently had four separate commercial office suites flood out.

@Natalie Kolodij incorrect.

I don't think I'm understanding how to put the info in correctly when it comes to the calculator, which is kinda why I was posting it here...

The OP doesn't seem to care so I don't either, but saying debt will determine the difference is just incorrect.

If he is the real deal and you are frank with your quirks and expectations it should lead to an excellent outcome and continued relationship, I would hope.Keep us posted.

COH would need to be between 42-44k.im new to this and hope this helps, if im incorrect always open to education :)