Lots of people disagree though. 

If you just wanted to know how to sue a former tenant, without talking about the mistakes that got you into that situation, then skip the back story.And when someone spends ten minutes reading your post and then takin time to provide some "thoughts/advice" on it, maybe show a little grace if you disagree with their advice.

I whole heartedly disagree with everything you said about negotiating. 

(Others might disagree with me, and that’s ok) I do like the St Cloud market, I’m just saying that I would want to be at 1.5% on a property in order to buy.

NJ is a great place to own buy and hold properties (although most will disagree). 

I completely disagree that able bodied people are "turned off" by these amenities and if they are, how sad is that.

I would disagree with number 2 - in this environment, heavy rate buydowns are a common tool in the toolkit for lenders and borrowers to make deals work and are in no way indicative of "not being well-capitalized"

My seller disagreed with the first scope result and hired 4 more companies to scope it.

I would also disagree with the earlier comment that is helps simplify the process of adding partners in for future projects.  

I have to disagree with @Collin H. on actual insurers.