I don't have time to go to the law library or access to the legal data bases that have more detail than my searches have resulted.

Can you provide some details on them?

Or in the early stages ask for more detailed financials for the last rolling 12 months, and come back with that data early in the process to weed out those who won't budge?

It descibes the rules for reserving usage, exit strategies, and other very minute details.

Arm Loan - 5.250 (after five years the rates can go up 1.25%  ( I will need to refinance before year 5)  Need more info on loan amount, LTV, then can run the payment difference between the two and I’d also need more detailed info on the 5 year arm, as far as margin, index, floor , ceiling, adjustment periods. etc.  

You don’t have to keep a detailed spreadsheet or a notebook that you must constantly update.

Am I missing out on a key detail?

Without seeing more details, it's tough to go into the weeds. 

Most realize the details during tax planning with their CPA.This post does not create a CPA-Client relationship.

Even an after-hours emergency call should have been less than $200.I would contact the locksmith to verify this is a legit charge and get the details of what happened.If it really was a broken knob, then I think it's only fair to absorb the cost.