Well I had not....but as soon as I read the question, then I had....so can anyone truly answer No to that question, since the question in itself causes a Yes answer?

And caused concerning issues between Kevin and I.

The reason they sell those insurance plans is because they make a lot of money off of them.If a $1,000 unexpected expense will cause a problem for you, it may make sense to have that insurance.

If your door won't close all the way or keeps getting stuck, there could be a few things causing it – maybe the tracks need cleaning or there's an issue with the opener.

One running toilet was found, but that wouldn't have caused such an increase on its own.  

And I can't possibly imagine anything other than an unnecessary assessment that could cause you that kind of outlay. 

For example, there may be a significant difference for properties with 4 bedrooms and 1,700sf-ish etc, which may cause you to consider the extra value of adding a bedroom and sf.

I had to ask him about 3-4 times this was ok cause I was terrified of the Due on Sale clause, he cited in the thousands of LLC's for real estate he has setup, he has never seen a lender call the debt due.

If you needed to evict them and had no rental income for a few months while they were evicted and the time to get a new tenant in place that should not cause significant financial stress because although not regular happenings those things do happen. 3.

There are some small parts like an  ignitor that can go bad and cause it to go out even if it's re-lit.