I think I have all my basis covered except one thing. 

They're just trying to cover their costs and make a profit which is smart and you should want them to be successful too. 

You need to be producing funds from an apartment deal where all of the tenants will be covering your business expenses and your debt payment without you having to come out of your pocket. 

So considering that (even with a solid PML) you still need some source of capital to cover holding costs and the other various costs associated with owning rentals. 

After you're done in there just put a vent cover on the outside to make it look neat.

Legally you are not responsible for paying the agent's commission (the seller is), but in practice you will have to pay the seller enough for them to cover the commission more often than not.

Since the lender, and almost all lenders with insure their DSCR, or Debt Service Cover Ratio is met. 

I reached out to my insurance, and they told me that they don't have any companies (they are a broker) that cover animal liablity on a D3 landlord policy. 

If I have the funds to cover the mortgage (3-4 months) and can stand a $5k capex bill every 5 years then I think I should be fine...???

Your addendum will cover all your bases however the fact still remains that the RTA trumps any lease language/attachments in contravention of the act.