FL state law does not require the owner to provide AC but we want to keep the tenants happy so we attempt to do just that.

Customer service needs to be from people that can actually help resolve a situation, not frustrate the guest to the point that they simply hang up.  

Our main hesitation is simply that we feel that pets will cause additional damage, odors, etc..If we were to consider this, what are you currently charging for fees, either one-time or additional monthly fee(s)?

I'd simply tell them that when the temperature on the thermostat is changed, it takes time to reach that temp. 

The rehab + landscaping = $65K (approximately) Would it be better to seek out private money and pay them back at refi or attempt a cash out refi.

So I simply know from experience Builder X will do this, while Builder Y won't.

I’m guessing an attorney would advise you to make a clean break by simply selling the property or having her buy you out and refinance the loan to get you off of it, but I’m not an attorney so I’d recommend talking to one about it. 

I would make it to the point on the first attempt.

we call those junk fee's the issue is simply marketing.there is a race to the bottom on APR and points.. 

. - You no longer simply apply for a deed after 3 years and get it after the county attempts to find the owners.