While you are correct, the reality is in Texas a landlord has very little chance of collecting due to our Homestead protections. 

If you don't have significant other assets to protect, it's just extra cost and work.

It’s important to note that this timeline is separate from the eviction timeline of June 12.Regarding tenant requests for maintenance, we are addressing emergency, health & safety issues to avoid causing you potential liability issues and protect your asset.

(maintain asset protection)

This is how they suggested we lay everything out so we will be protected in the event of legal action (My W2 job requires almost constant credit monitoring and can not have any legal issues---lets just say a government job).Also when looking at how everything is set up, take into consideration that everything listed above has been created since 2017 with the exception of the tax office and her being a cosmetologist.

The 20k is all that’s available, and I believe like you said I would need to build more either way to really protect myself.

Ask the seller if he'd cover the agents commission, go over that it's your first time and you'd like representation so your interests are protected.

I've never seen a contract that didn't offer that buyer protection so I'm hoping yours won't spoil my record.Hope this helps...

Definitely, don't walk out on the gutter system without some form of fall protection. 

Not all circuits have to be GFCI protected in a kitchen.