Low insurance" is concerning to me, as Athens gets a LOT of high wind / weather / tornado activity for unknown reasons - they just got hit again last weekend. 

Ethical ConsiderationsYour concern about ethics is valid and shows you’re approaching this with integrity.

By no means am I suggesting the funds should not be held correctly but there are other areas a landlord should focus their attention if they are concerned about tenant related liability. 

Did you find any additional help or learning concerning over-the-counter tax line investing for Texas?

You have to dig a little deeper there are questions that need to be addressed and VOE's filled out with specifics in order to use certain incomes and "stipends".Similar to a traveling nurse who get housing, meals, and other income. 

Had structural issues (wall caving in) that I addressed a couple years ago.

On Zillow, we simply call it #A with the same address.

Address changesPassport changes Name changes via marriageOther ownership changesWhat's the big deal?

If they’re concerned about price, offer creative terms like seller financing or a higher price with favorable contingencies.

Assuming it wasn't addressed in your PSA specifically then it likely should be them, but the reality is it is likely you.