Having the right team will help you avoid major pitfalls that you may have fallen into. 

I am a new investor so I know having wise counsel is the way for me to go to avoid less pitfalls.

I believe that this would have been a more "constructive" way of getting your point across, as is the mission of BiggerPockets.Also, I'd avoid redundant phrases such as "Your tenant is not the problem" or permutations thereof, as they imply malice and condescension.Lastly, I don't recall "complaining" about anything.

I avoid BOA, 5th 3rd, etc like the plague.One last note: I used a checkwriting software called Check Launch.

Is there any method to avoid these high insurance cost and maintain the LLC ownership?

As I understand, there is really no way to avoid the month to month scenario, unless the tenants agree to it. 

I do have a contractor coming in to do everything I can't do but my question is, do you guys know if anyway I can avoid ripping up the rest of the drywall.

To avoid a large DP with traditional financing, would hard money be my best bet to get started? 

This type of hands-on environment is not for everyone..but it is for folks who want to dramatically shorten the curve and avoid lots of trial by fire!.

I am all for landlords creating some small hurdles for tenants to avoid the time wasters but that is to large of a hurdle.