There are many moving parts that can present massive challenges if not done effectively.  

When you lie to someone and get caught you can certainly expect that will have a negative effect.

The problem is these aren't people with the balance sheets or experience to do so effectively just enough money to dream big and  be taught bad and misleading practices on how to raise capital.

Technology has allows investors and lenders to be effective nationwide.  

Overall, these suggestions are great, easy to implement, and cost effective! 

Are there specific renovations or improvements that have proven to be more effective in lowering insurance premiums?

The same net effect though.

Domicile: WA State (income tax free)Property location (Texas): (income tax free)LT gains + Depreciation recapture ~ $300k on a $500k income property ~effective / average tax rate = 12% for past umpteen yrs (relatively low income, avoiding IRMAA and doing Roth rolls (no 'realized' income, just transferring from tIRA to Roth = vast majority of annual MAGI income)In the end (coming soon, ~17 yrs) ALL remaining estate will go to charities / Charitable Foundation / DAF.

Simply relying on an average CPA or general advice from forums may not be as effective in helping you identify and take advantage of all the potential tax benefits available to you. 

Looking inward and trying to find your motivation would be more efficient and effective because that is what will get you through your slumps.