FEMA actually needs to visibly verify the presence of the flooded appliances to give you credit for it. 

I found the markets that I wanted to be in and I ran Google searches and cross referenced with Map Quest to verify I was getting all the facilities.  

It would involve moving the renters out of both apartments and verifying that the basement apartment is rent-able.

Total income is $2200 a month verified and I have other units a mile or so away which get the same.  

@Harris L. since you are self employed you will need to verify business and personal tax returns

How do I verify who the real owner is? 

I thought fair market value is the HIGHEST comps in the area.I asked my appraiser why was his appraisal so low and I gave him a couple of comps that I had to show him there were significantly higher comps in the area and he simply said that he knew something was wrong with my comps and that he did not have enough time to verify my them due to time constraints.He appraised my property for $75,000 in an area where land companies wholesale for $100,000+ and solar developers pay $250,000+.

Going to the tankless units helped with keeping the studios cooler in the summer.As a side note, you need to verify that you have a large enough supply line running into your building. 

If you want to hear all the advantages of San Diego RE you can PM me but suffice to say it has historically produced very good returns and this is verifiable fact (anyone can verify this).However, you do not know whether you plan to stay in San Diego. 

First, you get bids and verify licenses.