change ownership to a trust , or incorporate , to stop bad tenant.to protect my personal investments.and getting rental insurance

This isn't a guy who works in corporate America.  

The incorporation cost are quite minimal in comparison to the cost of acquiring a property and possible exposure you would have personally if things go left.

Incorporating cost segregation into your business can be an asset.

I know that Keller Williams encourages brand building and I have seen plenty of for sale signs that you have to really look to find the KW logo, but I don't know if they or other brokers draw the line at incorporating.  

It's different than a builder who incorporates and develops a land and sell the houses afterward with a Warranty Deed.

Incorporation and asset protection is a legal matter, best discussed with a *local* attorney with familiarity in real estate investment.

The parcel is zoned single family agricultural, but is in a gray area of being grandfathered in. pre city incorporation construction so the county shows it as a 2 building 1 parcel, city would want evidence from the county and to make a final decision. $125 and some foot work and we would have an answer.The seller has a mortgage recorded only a few years back and we estimate they owe $126k, they are selling for $149k.

If you do get stuck with it and your tenants don't pay you back, you could withhold it from their security deposit (assuming you gave them a copy of the rules when they signed their lease and incorporated them into the lease).

I went from making 6 figures to 7 figures very quickly because I took the principles of black jack and incorporated them obsessively in business.