I asked for coverage with the specs below for my area (recommended by individuals on that forum). 1) Total Value Property Coverage and any potential losses due to tenant-caused harm in the form of "replacement cost."2) Liability Coverage - I have been advised to get 3x net worth.

If a tenant (or roommates) make partial payments before the due date, then no harm has occurred, and it certainly won't affect your ability to evict if full payment isn't made by the due date.  

Even wholesalers have a role and are very useful to many Investors who don't have the time or energy to find those deals themselves, there is no harm in that is there? 

Just a bunch of bandwagon opinion devoid of fact or substance. 

There is no harm in trying to negotiate a lower price on anything.

I feel that substance would prevail over form in an instance like this. 

If you miss out on the deal, no harm done--there are always more investments to be made.

Or, a lot of turnkey buyers are brand new investors, so they often buy one and then while they build more capital they see how their purchase goes (no harm in making sure something actually works out!

What's the harm, right?

I noticed that most that yell about how useless (or harmful) looking at historical data is are still working a W2.