I agree w/ the personal letter and being transparent with what my intentions are with their home. 

Your lease was set to expire July 1, 2021 and you're in this mess because you failed to communicate your intent to the property manager and just assumed it would convert to a month-to-month tenancy.

Maybe I’ll take a break and come back to it later, when I have more time, or I can find a training buddy, or the price is lower, or the gym is emptier, or the gym is fuller…Thus dies a perfectly good intention to get in shape.The same happens with multi-family real estate investing.

I'm sure many operators are working with these same intentions.

He signed a Commercial Intent to Lease and we moved forward.

So instead of staying frustrated and irritated I took some deep breaths and I started thinking of how I could make this happen then the light bulbs came on.

They feel by signing a purchase agreement with no intention to purchase is fraudulent.

Insurance can refuse to cover or flat just doesn't cover lots of things (intentional acts, criminal acts, etc.) and even when they do cover the policy limits can be well below what you are being sued for leaving you exposed for the rest.

@Eric TeranYou're right, but did you omit zoning change step intentionally or it is not needed?

A term policy is for all intents and purposes a rental contract.