Since currently I have "excess income" from my w2 because I do not need to pay primary mortgage, I could re-invest the money to property that gives "lifestyle benefit", just like you building cabin in AZ/lakeside/etc with minimal risk.

John, I called 3rd Federal a little over a month ago and got a flat out no.

We ended up having to do quite a bit of grinding and leveling and are still outside the flooring manufacturer's specs for flatness - would have been a huge investment to get there, so we just ended up getting it good enough so that we don't notice any obvious dips or bumps and praying that the flooring will be robust to the remaining issues.

I think almost half the cost comes from the teen driver.Additional $345 annual to add $1M excess uninsured / underinsured motorist coverage.A $2M umbrella on top of a $2M STR policy might seem like overkill, but it's a big three-story house with seven bedrooms, max 19 guests. 

Either a flat fee or a % of profit.

I never fill these out and just pay the flat rate which is has always been less than $100.  

I would focus on screening your tenants for background, credit, and income to try to avoid an eviction and excessive damage to your property to minimize your turnover expenses and vacancy loss.  

They mentioned that this is something that they informed the previous landlord about and they flat out said that they wouldn't fix it. 

I would consider this option only if I were truly at the end of my investing life and seeking to create an annuity-like income stream through a simpler and more consistent vehicle, saying putting it all in IVV and withdrawing a flat percentage every month. 

Sometimes it is a flat rate or its a percentage rate.