Labor was me.

I had to replace the fences after a strong storm last year, which costed $4200 in materials and labor.

My cost to operate using their current expenditures (which I have intentions to reduce) would be at $400,000 conservatively. 

I am trying to maximize what my business can pay for while reducing my personal income tax.

Each individual one looks scary and increases near-term risk for landlords, but it effectively locks in additional compound growth in the long-term as is ultimately reduces supply and competition. 

Are there ways to reduce premiums without compromising on coverage?

Hello,I'm looking for a little advice on which debt I should reduce.

You could adjust the scope of work in another way to reduce the costs to compensate for this addition perhaps by using a cheaper flooring for example.

It may reduce the payments.

Hybrid StructuresYou can also blend some of these terms to create more flexibility: Monthly Interest + Lump Sum: You could pay a reduced monthly interest rate (e.g., 5%) and offer a lump-sum bonus (e.g., 3-5%) at project completion.