I haven't personally dealt with any crazy insurance premiums such as the ones people have been advertising in like Tampa, FL.

Mediation is a process in which the parties meet with an impartial person who helps to resolve the dispute informally and confidentially.

They do require that person to have no assets, so a house in her name could be problematic.

This is our boilerplate language:Insurance: Tenant should obtain a renters’ policy of insurance on their personal property.

I would personally put them in notice just because they never tried to communicate it on the back end of fixing it.

But I don't know your personal situation and all the financial details. 

We've not met in person yet, but know each other.

He's been the only person I've communicated with in the past.

We recently relocated to Phoenix last summer and I'm starting to look for recommendations for local credit unions here in Phoenix which are trustworthy, low rates, personal touch, easy/simple to work with, etc. 

I personally would stay away from condo-tels as they will be even worse and you'll have less opportunity to cash flow.