If the seller wasn't willing to budge then you walk away, and definitely consult with an attorney knowledgable in the specific state as earnest money, and the due dilligence process varies greatly state by state (as well as what is outlined specifically in the aos).

I turned in my AO policies to an AM agent in town and they couldn't beat it.

I’m looking to network with contacts who might have these of records for: tax delinquencies, past due water, pre foreclosure, vacant/ AO.. etc.

AO is one of my main carriers!

After an AO on the MFH? 

What could be the benefits in either lowering the buying price (and adding addendum to aos) or putting it as credit towards settlement costs?

I strongly believe in myself and prepared to work AO in the next few years 

Otherwise use a generic AO, especially if it is just you.

In the AOS our buyer agreed to no inspections. 

It's news to me that AO works with consumers directly at all.