There's a lot of people right now that don't qualify as you have pointed out so we will cut deals for longer lease terms for those individuals that do qualify. 

@Richard Anderson: You've piqued my interest.Do you happen to know if there are guidelines in the banking industry as to how to handle the Due on Sale Clause when a seller sells on Executory contract to another individual?

I tried to reply individually but I guess it thinks you're a bot when you post too frequently in a short time period so I got locked out of my account lol

The purpose of “asset protection” trusts is to place assets beyond the reach of creditors who have claims against the individual who has “settled” that trust.  

A bit strange that you leased the commercial spaces knowing you would be pursuing a conversion but understand the objective of taking out your capital partner and I see in your follow up post the relocation language so you clearly thought through the transitional phase.

How often is an individual successfully sued for an amount that exceeds their insurance coverage?

Objectively look at your property as STR>MTR>LTR, run the numbers, and see if it cash-flows.

Never to the lender or individual.

@Mindy Jensen Maybe it's all just individual preference?

Whether an individual consultant or a mentor through a program, mentors provide the foresight and support you eventually need because of their experience.