I started offering the choice between the two about 8 years ago, now everyone chooses a move in fee. 

The property is being offered with a Special Warranty Deed rather than a General Warranty Deed.  

Are the agents commission % or salary based?  

My name is Tammy, and I'm based in the Twin Cities area.

Not everyone offers STR insurance.

We had initially presented them with a 6 month lease, and after hearing they would like to move we offered a 3 month lease which again they refused to sign.

The only thing that has changed by the new law is the pre-negotiated commission can no longer be listed in the MLS, so now agents that work with buyers will now be required to have clients sign an agreement committing to a certain commission percentage to the buyer whether or not the home that they purchase has a commission offered by the seller. 

Our financial planner has forecasted that based on what we have/are putting away in our IRA’s, I will be able to retire by age 60, and my husband by age 65.

If she is habitually complaining, offer to let her out of the lease early with no penalty.

Unfortunately, Colorado has just passed HB 24-1098, the "just cause" eviction bill, which requires landlords to offer lease renewals to their tenants unless one of a few specific criteria are met (if the property is going to be sold, substantially repaired, or renovated, or if the landlord’s family plans to move in - but basically you can't put it up for rent to anyone else for at least 90 days).