My husband and I are not afraid to work - just cannot find where to start.

Don't be afraid to ask them why they don't want to apply.When I'm having pricing discussions with owners I work with, I always remind them: a month of vacancy costs your bottom line more than a unit filled with a rent reduction.

Don't be afraid of the process!

You are in an uphill battle I am afraid if you have no experience. 

Don't be afraid to negotiate, particularly if you have a lot of rentals.4.

Tell her (your attorney said if your afraid of being the bad guy) your unable to comply with her request, but you will let her know when the new unit is ready to move into.

When you find good subs pay their price to get started but dont be afraid to negotiate...without lowballing. 

I was in national construction for 5+ years I'm not afraid of a small contractor who's ripping you guys off 

Don't be afraid to negotiate, particularly if you have a lot of rentals.4.

I recommend before spending thousands of dollars on this you speak to your CPA and your attorney as they will understand your overall financial position and the risk.The question I love to ask is "what are you afraid of being sued for that insurance would not cover you on?"