You just stated for the 2nd or 3rd time now that their negligence caused the excessive damage to the floor. 

.- Excessive mice droppings along walls.- I was told they found a mouse in the couch.- They have put traps out and caught some.- Young mother (mentally disabled and daughter of tenant who pays the rent) has an 8 month old.I went over and put multiple bait stations and traps on the advice of my pest control guy.

You may wish to confirm that the new 401k provider will handle the ongoing compliance support such as any required 5500 filing (e.g. 5500-ez for a one-participant plan with assets in excess of $250,000), any required tax reporting (e.g. 1099-r in the event of a distribution or in-plan Roth conversion), mandatory plan updates and amendments, etc.4.

They can then produce reports per customer.Every month, they would settle with customers, either sending them the excess cash flow or receiving money if shortage.Model your setup after this, and you should be fine.

I use maintenance/cap ex numbers that many would find excessively high (but I believe are not that conservative). 

The property cash flows great and it's value is in excess of $425k.

Fire loss was in excess of 140K.  

Its about the right size / type / condition for the property I would like to find to upgrade from the duplex I sold in 2019,   and from my research,  it is likely that the ownership are getting to the point in their tenure where selling might be on their minds.Given the building's likely income/expense numbers  (I own a nearby, similar style/quality property I can extrapolate from) I can make an educated guess to its value and given that value range I can afford it without excess leverage.   

Not a terrible lot at that amount, but multiply your debt by 10 ($1 million), then you need $40K per the bankers, which I feel is excessive.

Currently the city is an absolute seller's market -- most decently priced homes are selling within 24 hours of being listed, to where it's hard for me to be competitive without going excessively over (I'd be putting only 3% down).