It's the nature of the beast.

I have this on my lease: "Tenant accepts the cost of clearing the drain of any and all stoppages within the property except those caused by defective plumbing, tree roots, or act of Nature or God."

Analysis paralysis, natural aversion to risk, but want to break myself of that cage.I also try to always do everything on my own, no mentors, help, partners, etc, so that has also held me back. 

If I don't a particular agent because of skin color, sexual orientation, or whatever, I may decide to offer them less. 

You just need skin in the game

You need to be able to turn a profit, the property typically has to be in an urban or suburban setting, you need skin in the game (down payment) & in most cases decent credit.

You can have a natural person or LLC as the beneficiary - the choice between the two is one of tax liability as they are pass through entities; not civil liability.

@Nixon Corpuz 401k plans are by their nature participant directed.

We are just so pissed with these girls that they are taking advantage of our nature and this one thing we missed.

But it does sound like they aren't taking natural wear and tear into account and are possibly going way overboard.