But society believes that Landlords need to make exceptions, they need to be compassionate, and understanding, and most of us are, but they also feel we should help them by letting them make payments to us until they get on their feet. 

As a general question, in 2018, why would anyone (who expects to interact normally with society) keep accumulating their spare $30k+ under their mattress?

Our society has trained them to get a new smart phone every year, a new car every two years, etc.

Is the building registered with your state historic society?  

(Irvington Historical Society will not allow vinyl windows.)I've seen many people do a "full rehab" and utilize some functional parts of the home that ended up failing relatively quickly.

If you want more information, I recommend using the directory offered by the Law Society of Upper Canada. 

It is a large, important role in society that not everyone can do.

Our very own @Scott Trench has written a book called Set for Life: Dominate Life, Money and the American Dream .Money isn't something that's talked about very often in our society, which is why most of us don't know how to handle it, how to save it, how to spend it properly, and how to use it to prepare for our futures. 

Then they could claim negligence on your part and still come after you personally.Even without a negligent situation they could still try and come after you personally (it's a burned up kid - no matter what the facts are you are the big rich landlord and in our society "somebody has to pay".)In the end paying several hundred to a couple thousand dollars per year extra for quality insurance can really come in handy if you ever get that 3am phone call.Last - I didn't see someone post this yet.

That is a SAD indication of the way our society is moving when people accept dishonesty as a general method of business.