Both of these options "should" drive your premiums down a good amount, and hopefully to a more acceptable level. 

Buyer ultimately pays it all, anyway, as seller factors in costs before accepting offer.

It may be a little too late since you accepted the insurance money already, but typically you would have a contractor in place (Ideally multiple quotes) before accepting the amount quoted to you by insurance.If your insurance company referred you this company though then after doing more research on them maybe they are the best option?

My HOA only allows one pet but my tenants have a service dog and 2 ESAs and the HOA accepted them.

The issue here is that if you wait until may you are accepting the situation and that is what a judge may see.

What is considered acceptable records varies greatly from one CPA to another.

With regard to securing a tenant, I think you are attracting the applicants you want, but maybe are gun shy about accepting them. 1.

These will walk you through from the very basics to the expert understanding of what private capital is and how to use it https://store.biggerpockets.com/products/creative-financing-...If you want to start smaller with some free content here are a few great podcasts I can recommend that go over private financing in varying degrees of depthPrivate capital part 1 of a 5-part series with Amy Mahjoory https://link.chtbl.com/ZlYVqXS1Raising your first $1M podcast episode https://link.chtbl.com/BKwpsdf2Private money explained: buying without a bank https://link.chtbl.com/APiLG_Zj

We simply hand them a letter that says the evidence they provided does not meet HUD guidelines and we consider the animal to be a pet.If you have a "no pet" policy, they are not accepted.  

Once they got into it none of them liked their ultimate prospects and ended up with different degrees.