This type of protection which in San Diego included protection for non-paying tenants and allowed tenants to break every lease term not related to health and safety. 

When I say "what it is", I mean insurance is a safety net for disasters that would otherwise tank your assets.

I don't worry much about the liability as I have a licensed pool fence contractor install the fencing with the appropriate safety features.

Then I’d ask for the fire door if it’s required, that’s a safety issue, and the amount of the quotes from the plumber and termite guy for repairs, not upgrades.

You will likely go over budget and need a safety net.  

There is safety in numbers.

For me, the key has always been to buy low to build a margin of safety in as much as possible for the unknowns.  

Their provided lease agreement will be one sided protecting their own interest, if they are removing safety clauses to accommodate what they want to do, you would have to add another set of clauseoutside the realms of their operations to protect your own.

As mentioned by the forum - I would also highly recommend Shoreline based around its great appreciation potential and existing safety/amenity value over West Seattle and Rainer Valley.

In other words, any little thing can derail the process when a bigger down payment provide a safety net to counter any problems that may rise during escrow ( and problems will happen for sure).But don't lose hope, a seller may decide to take the risk of going with a lower down-payment offer as long as it has other benefits: Higher price, short contingencies (or no contingencies), short escrow period, hard money upon offer acceptance....Cy