And the owners refuse to put the employees in danger . 

Built in equity mitigates risk, and value and rents increase with time. 

No one just makes up a detailed list like that for no apparent reason, and request that it be mitigated.

Now, if I'm needing to cover multiple hits in a row, that's something I'm doing wrong, so hopefully I'm learning and paying attention here to not repeat mistakes or do what I can to mitigate risk. 

How can you mitigate that disadvantage?

I found a lot of Lane's teaching dangerous (but so does other BP teaching), but I would not say it openly before as he's very friendly, like when he said commercial real estate is way safer than the stock market index.

Good maintenance and good tenant relations will also go a long way in mitigating potential liability issues.

The decision really comes down to options and risk mitigation.

If you're buying a new single family residence that is only one unit and are relying on lease income from roommates to qualify, your loan approval is likely in danger.

I represent technology that has been tested with proven operation in various locations to mitigate indoor air quality and pathogen control, provide safety solutions, atmospheric water extraction, and energy optimization.