@Jon Fletcher There are basically two potential options. 1) Amend the tax return in the year of purchase and prove you used capital gains to purchase the property and 2) Sell the property to an OZF, follow the 20% related party rule and then the structure of the sale of the property to be able to reinvest the gains.

I have talk to 4 insurance brokers, and directly to many companies such as allstate, steadily, safeco, liberty, american summit, american family, and a few other, but am basically out of options.

Right now I am just learning about it and seeing what my options are.

My advice is to keep your options open. 

It definitely escalates the situation though, so I'd research the process and carefully consider the option before embarking on it...but if you pursue that route you can likely escrow Dec 1 rent and I'm sure that will get some attention. 

I chose the option to reinvest all interest in all my accounts.

This is a million + dollar property, so pay off is not an option 😁, but I appreciate your insight.

This will help you narrow down your options.

This inline space is 3085 square feet which limits the options on tenants. 

I went to Google and searched for "New Jersey purchase agreement" and came up with a lot of options, including the official REALTOR contract.