She emailed and asked if she could pay on the 10th due to her having an operation and she's on medical benefits with work and the check doesn't kick in etc...I'm a nice guy so I waived it.

As an educational exercise, I've analyzed this MLS property as a BRRRR deal, even though I'm not considering it as a purchase because it doesn't meet my cash-on-cash % criteria. 

I've reached out to over 15 different insurance companies and all are requiring the auto insurance unfortunately.As an alternate option, I'm wondering about just increasing the condo policy to $1M (which includes a Personal Property, Personal Liability, and Medical Payments to Other coverage) for a premium of only $117.Is there any huge advantage to the $1M umbrella policy that wouldn't be covered in the $1M condo policy?

If you haven't already, I'd also consider adding supplemental material (videos, online courses, spreadsheets/templates, exercises, etc. ).

It's exceedingly rare for a lender to exercise in that case, assuming you're in good standing.

I do not allow smoking tenants in my rentals when people go through the application process, but since I inherited these tenants and he was upfront about smoking marijuana (not medical), I said he cannot smoke in the property, and must be at least 25 feet away from the outside of the duplex if he chooses to smoke marijuana.

Medical Payments: Provides coverage for an injury suffered on the premises.

Medical billing issue.

@Sandra Kayulu, for the most part, attempting to do business with realtors or property management companies via lease options will prove to be an exercise in futility. 

Commercial medical building.