If there was a Fire, Windstorm, Etc. that is covered by the policy and it results in a loss of Rental income, that coverage would be triggered. 

I have explored this idea in the Caribbean and South America a few times and never pulled the trigger as it was too much headache. 

Wife and daughter don't like them as they make it hard to clean their hair of shampoo.

If there are some loan outstanding, the death benefit will be reduced by the loans amount.Loans from the policy are tax free.Interests paid to an inside policy loan are not tax deductible, however the interests for a third party loan secured by the cash value may be tax deductible.A lapse of the policy will trigger a taxable event.

Is there anyway their hairs, sons/daughters, 20 y/o “husband” can become protected tenants upon their passing?  

I had a call yesterday with a rep that made me feel confident, but not quite ready to pull the trigger just yet until getting more verified reviews of their track record of returns and service.

The Closing Disclosure fees cannot be higher than an initial Loan Estimate, otherwise this will trigger a cost to cure and the lender must take the hit. 

Sometimes you can tell because of rust staining and buildup on the outside of such affected pipes,   but even without that they can be weakened considerably from their original state.On the drain side galvanized branch drains  (1.25 through 2" galvanized pipes)  can also rust out or clog up as the rust on the inside is very rough and catches hair, grease,  and other debris and will eventually need aggressive rootering,   which if the pipes have rusted enough may open up holes in them.I should note CAST IRON (hub and bell) old sewer pipe,  at least the 3" and 4" stuff seems to have a bit longer lifespan than galvanized steel;  it still rusts but doesn't crumble and flake and encourage blockages like steel does,   so an old house with a cast 4" sewer stack you may be fine for many decades more if you just replace all the branch lines going into it but leave the main stack.   

Someone who I respect (from @Sharon Vornholt's Probate Investing Simplified program) is a Rhino member and one of the reasons I gave that group the credibility to start checking it out.I still have not decided to pull the trigger, but do understand that $50 can be a lot of money if you don't get a return and $5000 can be nothing if you get a great return.

He also had gray hair and a few decades under his belt.