My initial rate back in June was 6.99% although it's adjustable and has gone up since of course. 

Perform the same task in each app to ensure a fair comparison.Load a property with pictures and details.Market that property.See what your marketing looks like from the public's perspective.Submit a fake application to see how easy the process is.Run a credit/screening report on yourself.Enter a maintenance request, assign a vendor, and attach a fake invoice.Enter charges to the tenant's ledger.Enter recurring charges and automatic late fees.Sign documents electronically.Run owner reports.After testing a few apps, one should clearly stand out.

I've only had to do 1 and it was several thousand.....I would take a real hard look at your numbers and re-adjust your offer accordingly.

That determination can only be made by an licensed adjuster for the Insurance company.  

He wanted the appraisal to be high for a loan.The county had a much higher valuation.He went with the appraisal and his charm.They accepted the appraised value and adjusted the tax bill.

In my experience the basics for a functional RE based CRM are:Custom Fields for Data Objects (Leads, Prospects, Applications, Buildings, Units, etc...)A Screening Engine (background/credit checks, employment verification, etc)Online Rental Application (this should automatically run the application through screening)Ability to mass email/sms leads and tenants to provide informationSurveys/Inspection formsI've been building real estate CRM tools for years.

Family First Credit Union can give you a 80% LTV loan with a 7 year adjustable rate mortgage for something like that.

Automatic transaction entry and reports per property and per expense category. 

Even a poor score isn't an automatic disqualify for me.

I’m on the board of a small camp in Crofton, NE (near Yankton SD) (~120 beds, 80k budget) and we have had insurance policy adjustments in policy and costs for last 4-5 yrs.