Very few non-owner occupied property policies guarantee full replacement cost - they typically provide replacement cost up to the dwelling limit purchased. 

You could structure the deal with seller financing to bridge the gap.Possible offer structure:-Purchase Price: $170K - closer to actual value-Down Payment: Low or zero down to conserve cash-Interest Rate: 3%-5% - or better yet, 0% if the seller will agree-Monthly Payments: Interest-only or deferred until the sale-Balloon Payment: Full payoff in two years when you sellIf he wants $200K, you can still make an offer of:-$170K purchase price + $30K as a second lien due at closing-Seller carries $170K at a low interest rateHe would feel closer to his number, but you still keep within reasonable investment limits.2.

When I went to cancel my membership, RentRedi gives you a large box in which you can describe to them why you decided to cancel, and there was a SHORT and hidden character limit!

A $30k down payment is going to DRASTICALLY limit your pool of buyers.

Don't limit yourself to the San Antonio area, you may not find one! 

With your income, you may qualify for an FHA loan with a smaller down payment, but buying now could limit your borrowing power and increase monthly payments.

Zoho has an in-built dialer and can integrate with SMS services, offering a good balance of functionality and ease of use.Each of these CRMs has its own set of strengths and potential limitations, so I'd recommend taking advantage of any free trials or demos they offer.

A 15-month measuring stick isn't adequate.

Is there a limited number of licenses? 

You need a firm estimate for the remainder of the work as your funds are limited (like most people who don't have an endless amount of money).