You just have to learn the rules and then create your own tax empire to avoid unnecessary taxes.

Yes, but what you do is totally unnecessary for the informed. 

. - You are screwed here and no amount of LLC/asset protection will prevent you from being personally named in a lawsuit.2) Building burns down, cause determined to be fire caused by unpermitted electrical work. - Insurance does an investigation and decides not to pay for the damages.3) You need to sell the place in a hurry for some reason.

The buyer can continue to search for an assignee, partner or lender while the title company prepares the deal for closing.The second method for preventing a breach by the seller is to make it very clear — often in the agreement itself — that any attempt to do so would be met with legal action to enforce the contract.Another option would be to record the PSA or a memorandum of its terms in the land records.

Funding (the rent that the tenants pay)Because this is not some 1000% margin business, each non-paying tenant increases the stress on the system, preventing other deserving individuals from being assisted.

Or should I just tell them that these are unnecessary cosmetic changes that they can choose to make at their own cost?

Don't engage in unnecessary banter with tenants.

With a married couple, there is some legal responsibility in most cases that would prevent these situations.

This allows you be much more competitive on your offers.2) Allows you to buy a property that might have issues that prevent traditional financing.

Simply that - market corrections, development not getting completed, some other unforeseen circumstance that inhibits or prevents appreciation the way you may expect (like, for example, another hurricane!).