It made collecting rent a chore and uncertain. 

I know Austin has an option period that you pay for the right to do due diligence, which is definitely unusual. 

This would be very unusual in San Antonio, but may be something that varies by market.

Speculation is betting on big drastic turnarounds, this is just a bet that the current trends continue, which they usually do.I don't know LA like I know the Bay Area, is there anything here shaded dark (indicating unusually high income growth) that "everyone knows" is a "rough area"? 

Definitely ask--in no uncertain terms--for the credit.

Start by offering higher rent than they are asking and see if they bite, advance rent payment even at their ask rate will make many salivate and as a last resort possibly a portion of your profits.Paying a higher rent is a risk if you are uncertain of your business plan although you can always walk away if it doesn't work out.

I have an unusual request: I have a primary residence under contract and my lender has offered to kick me $1k for a home warranty.  

I would think so since the contract would be void but again, never been in this situation before.We want to purchase the duplex, I'm just uncertain on the problems we could be facing if these people refuse to move out....damage that will now be our responsibility to fix, squatters, ect.If anyone is familiar with the situation and can give some advice we would appreciate it!

We are working to change the bylaws to allow shorter terms but I am uncertain if STR is practical. 

A friend of thought it was unusual that the lender insisted on an inspection.