Also of note, cracks that go straight THROUGH brick are often done by a one-time stress event like earthquakes rather than the much slower process of foundation settling.- What kind of windows do you have?

After reading your deal, my question would be how informed is the seller and does the seller have mental or other medical issues that would render them incompetent to do any business dealings at all? 

Do you have other debt you want to try to discharge such as credit card debt or medical bills?

This may not be what you want to hear but if your tenant is lead poisoned and you were aware (which you are by making this post) you are on the hook for medical, potential future earnings and multiply that by 3.

Beatiful stone building that was an old medical building converted to multi family.

Regus, Industrious, GreenDesk, WeWork, Novel etc have come up along with student housing via large medical school, research, healthcare presence. 

She emailed and asked if she could pay on the 10th due to her having an operation and she's on medical benefits with work and the check doesn't kick in etc...I'm a nice guy so I waived it.

I've reached out to over 15 different insurance companies and all are requiring the auto insurance unfortunately.As an alternate option, I'm wondering about just increasing the condo policy to $1M (which includes a Personal Property, Personal Liability, and Medical Payments to Other coverage) for a premium of only $117.Is there any huge advantage to the $1M umbrella policy that wouldn't be covered in the $1M condo policy?

I do not allow smoking tenants in my rentals when people go through the application process, but since I inherited these tenants and he was upfront about smoking marijuana (not medical), I said he cannot smoke in the property, and must be at least 25 feet away from the outside of the duplex if he chooses to smoke marijuana.

Medical Payments: Provides coverage for an injury suffered on the premises.