I'd call them and explain the situation

If you need more clarification you should contact your lender and ask them to walk you through it and explain the difference, but really all there is to it is the list you referenced are all closing costs except the 20%, which is the down payment and is separate/in addition to any closing costs.

However, we would go from passive income as landlords to having to pay self-employment taxes, plus commercial insurance (which is double the cost), plus all of the costs of setting up these LLCs, plus added taxes, etc.I manage the property and do basic repairs, but everything else is contracted.So, for all you real estate gurus...Can anyone explain why to do an LLC? 

If after explaining objectively the situation your clients decide they want to go to court, then go to court.

I don't just put that in the lease, I explained it to them and explain to them why.

I really blame the contractor since he should really explain that eventually everything breaks down.

If she likes you that much maybe even show her your numbers on paper or the brrr calculator report. it might be hard to explain but maybe with the visual plus your rapport she will meet you where you need to be

Would the best strategy be to look at the Keller-Williams office closest to me and try to contact someone there and explain to them my situation?

Hence the reason for the research paper, which was started in an effort to explain to insurance companies that they are not underwriting  properly to reduce claims caused by canines. . 

I am wondering if someone can just explain to me where a prospective buyer can find out how to obtain the CO (cost / reason property doesnt have one) and since its buyers responsibility upon purchase, is this something anyone can look up ahead of even going to look at a property?