Meanwhile our commercial bldg carrier just notified us that they are excluding ice/snow load damage coverage on all our building roofs.We had one roof recently redone for $18,000+ but it has significant steel trussing so I'm not too worried, but one of the older warehouses we own has me concerned.

-Does my continued status as the Declarant somehow exclude me from any of the Dodd Frank restrictions? 

The query should have excluded these entries.  

(excluding NY, DC, and CA)With 5k, I couldnt pay for pretty much, well anything.

“Jon Modene, a real estate broker at Re/Max Masters in Perrysburg, said most first-time buyers are excluded from the home starts.

I know there are some that provide coverage for selling your own residence or rentals but they all exclude properties that have been flipped.

The landlord must wait 5 days after rent has become due (excluding Sundays and legal holidays) to demand the full amount of rent due.

Keep your chin up kiddo, and learn from the VERY smart and successful people here on BP (me excluded) and don't ever give up. 

You are right you have a lease and it probably doesn’t state that lizards are excluded.

Cosing costs excluding agent fees and pre-paids usually run about 2% when we buy, 3% when we sell.