So just when you think your only spraying perpetrator, you have it on you too and it burns a great deal.

A home was on it prior but burned down last year and it’s in the middle of a residential community.

Invasion of privacy, unclean and rude house members, maybe if they do drugs or smoke or are party animals, unwanted friends of theirs visiting at odd hours, clashes of personality

Nope.. developers by and large are not going to cash you out and take the entitlement risk for such a small discount.. maybe 500k discount they would but not 100k.. not going to happen unless you find a developer that is not very bright and has money burning a hole in their pocket.

And I am sure you know, but just in case I will explain why you cannot get a loan without insurance. if the house was to burn down and there was no insurance the lender would have no way to get paid back.

I've seen complaints from other STR owners with photos of laminate counters with burn rings from hot pots, which won't happen with granite. 

if it burns down, I will have insurance.  

I tried early on to keep in touch but quickly was burned out by the volume of people I was getting.

my main goal is to just get the roof in before weather gets bad.is there anything I can do aside from a 3k escrow holdback suggested by my agent to prevent getting burned?  

But also people are thinking of marching to the house of the lady who POSSIBLY reported the squirrel and burning their house down, so I think it's best I dont go down that route haha.