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Just one point in your summary that may be worth checking IMO. You say that to rebuild would cost >$1m so you have insured for your mortgage which I understand to be about $500k. If the building is valued by the insurance co at $1m and you under insure for $500k they won't pay you out $500k...

Congratulations :) I admire your courage and commitment, you are an example of getting off ones rear and having a go. I hope it continues to work well for you :) No doubt in 10 years time people will say "Gee, you are lucky to have all that"