I am shopping for a vacation rental for next year, and in the area I want to rent almost all of the VRBO ads state that the primary renter must be at least 25.

Estimate is high, try shopping around and potentially invest in better flooring like others mentioned on the post.

I would shop around and price compare. 

My dad owns a small woodworking shop and never made more than a modest income.

Perhaps 'mystery shop' one of the bigger storage providers and take a look at their terms and conditions/contracts?

I am currently shopping around for a better insurance policy, any suggestions?

@Sharon Evans Sounds like a small shop if they're looking at properties themselves. 

And as a local, late-30's area resident, looking for restaurants, bars, nightlife, shopping, thing-to-do, sight see...

Within 30 days of the first pull will flag as shopping for loans and will only affect your credit score as if it were one inquiry

We also have a newborn and would like to remain in our current home with her at least for the next few years.I'm willing to get creative, willing to get my hands dirty (as in demo/construction, not burying bodies...).