Advises if you want more liability coverage, just add it to the LL insurance policy. 

Don't fret the details, it is about how many houses to put under contract and make money as soon as possible and move to the next.From the answers and advise you give I really doubt you have wholesaled before (don't mean it as an offense.

Typically when I'm advising my clients on submitting an offer, days on market plays a big role on where we come in on price.

I would be interested to see what advise you receive. 

I have an off market opportunity and was hoping to get some advise on how to structure it.

And you should not imagine doing it w/o insurance that would not be advised at all!  

I happen to be already doing what everyone on this thread has advised you. 

If you gave her an application you should have asked for everyone living in the apartment etc.Perhaps what you should have done is given BOTH tenants notice of new ownership, advised their leases are expiring 8/31 and in order to possibly renew they would have to complete a new application and meet the new criteria (which you have written down and applied equally to both tenants) THEN advise her she didn't meet the criteria and therefore lease not being renewed.

I’m eager to here your recommendation / advise.

I would advise having at least two plumbers, two electricians, etc. as more often than not tradesmen are busy and at times have a waiting list for work.