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If it's as an APR the total number of payments would be added, divided by the loan amount and that provides the rate.

But then I also read that fire insurance premiums should not be added to cost basis so what happens to pre-rental insurance expenses?

You need to make sure they assume the same responsibilities as well by engaging with them to either comply with your screening process and be added to the rental agreement as jointly and severally liable, or move on.Also, when handling the security deposit, remind all the tenants that the security deposit stays with the account and will not be touched until the end of occupancy when all parties move-out and return possession of the unit back to you.

Is that a 1 line quick sentence, or a full broken down chapter to be added in the operating agreement (I guess in the General Provisions section)?

I have recently been made a partner of a firm that will be adding at least $1 million in cash to their portfolio every year hopefully for the next 30 years.

The $5k will be added to your income and taxed at the combined amount and rate.  5 year rule does not apply.

I think there is great room to add value to the home as well (a 2nd bathroom could easily be added before we resell it later. 

You can be added to title at closing as a requirement.

Taxes and insurance should also be added to the plan.