Our option is essentially a glorified catastrophic plan with a few "covered" doctor visits per year thrown in. 

I think it would be great If I can essentially stay there for free if I visit often because I love to surf and also Rincon Puerto Rico is growing in tourist population.  

Do these terms essentially mean the same thing?

This would essentially be unsolicited.Thanks!

For the landlords that show property to tenants, I'd like to know what steps you take to increase personal safety during showings.  

It sounds like you are essentially taking on all of the cost and liability of running a contracting company, only hiring people without actual skills.Honestly you need that consult with an attorney ASAP.  

I am looking trying to structure the deal where the owner is essentially the lender.

There is an interesting study that was just released by McKinsey that essentially states that leveraging has increased at exponential rates in almost every country since the Great Recession.  

clean tidy exterior plus outdoor lighting for safety 

An inspector can't make you correct or modify existing conditions unless there is a serious threat to safety.