How does one define design choices, etc?

Wishing - betting death on your tenants?

It won't be as promising; the saturation of this thematic investing choice has defeated it's purpose.

They have the choice of finding their own insurance or they can be automatically enrolled in my master policy.

In normal times i would think selling is typically the smarter financial choice, but at the current time keeping may have a significant finance (due to low interest rate) advantage.Here is a list of why adding ADUs in my CA market is typically a poor RE investment:1) The value added by the ADU addition is often significantly less than the cost of adding the ADU.

I bet not many sponsors who are leaking oil would even consider that.. etc etc.. thye video'd it so you can probably ask them for a copy of it.

I than let them know my top choices for PM/TP provider in that specific market, not just my own but whoever I see as current best, and what there rates are.     

I respect and understand your choice to find a new provider.

I bet $1 this a bot. 

Others are responsible with their budget and can stretch a dollar.If they are excellent renters, I would offer them the option to renew and let them make the choice.