One other point is some cities take home owner permits very seriously, you will need to live at your residence 1 year after the reno, else you're guilty of perjury/fraud.

And if they did do it, they would feel guilty.

Half the weekend was making us feel guilty for not investing in ourselves (Grant Cardone) and promising we will be able to travel the world while checks keep coming in the mail.

You are looking for a "Waiver of Subrogation" naming you as insured on his ACORD certificate (this would reflect his WC, GL, Umbrella, and etc), if it is real, then you should be off the lawsuit, if he made it up, then he is guilty of perjury.

Although I am guilty for not getting on as much as i should.    

It was actually pretty interesting, as I took the microphone and plead my case.

like why is it on the landlord when it should be on the tenant isnt our system base on innocent until proven guilty?  

I’d find a way to get out of this one way or another Dude, whatever happened to "innocent until proven guilty"? 

I remember after signing the bazillion pages and feeling guilty.

Here are some things that I’ve seen regarding this type of rental: The owner never seems to want to run a background checkthey never want them to pay a depositthey want to give them “free rent” or a huge discount while they look for a jobFamily or friends become or seem entitled to special requests and take advantageFriends or family may hesitate to tell you about maintenance issues because you gave them a breakThey make you feel guilty when you ask for a late feeWhen the property gets damaged, you don't feel comfortable asking for money to make repairsLastly you may have to evict a friend or family member.