You should have received a warranty upon completion and I would call them and send them these pics.

If the property were owner-occupied, would I only receive credit for one rental unit's income, while the non-conforming basement income wouldn't count?

The PM company needs that information to complete your annual 1099 and their 1096 to report the gross rental revenues received on your behalf.  

Would be happy to connect via text, phone, or email to answer your questions.

If you see someone violating the rules, create a post with "@moderators" and we will receive a notification and respond.Again, welcome to BiggerPockets and happy investing!

I have received other quotes for insurance and they were able to go with a replacement cost closer to, but still above, the property value (thus, way under the $2M evaluation).

I recently received a business loan broker certification through Lee’s system.

Generally, applying any monies received to fees first leaves the deficit as "rent".

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I'm still in the process of finding an alternative solution but I thought I'd leave this here as a warning for others looking to make a decision.For reference, I'll just post their email response to me here:As we review your inquiry, we would like to remind you of the following key points from our Terms of Use:In no instance shall ShinePay be liable for any of the following:"Lost revenue from service interruptions.Lost revenue stemming from delays, malfunctions of any product.unauthorized gains access to your account or due to shared passwords or if your password is hacked.Destruction to properly, places, or personal injury resulting from the installation, misinstalling, or misuse of any product.Lost revenue from entering the wrong account number for ACH or other bank transfer or money transfers or due to any delay in receiving funds.Damage to your structure, machines or car resulting from use or installation of our products.Any funds collected that are paid to a person that does not own the property.Any harm from defeating the lock and technology that controls the lock to a device.Failure to properly service any product or machine."