I’d appreciate any additional suggestions you might have! 

I heard that less than 20% down causes additional insurance fee? 

The only additional thing we do is send them to collections.

If they need to reinvest, how does sub to help them accomplish that goal?

Is the portal that the landlord and tenants use an additional charge?

Some carriers won't allow insured to be a trust, so in that case do it in your company name with trust as additional insured.

Principal balance currently at 314kProperty Details: It's essentially a "2-in-1" property, with the main unit rented out for $1,900/month and an attached ADU bringing in an additional $1,200/month.

If you have equity and decent credit, a conventional Fannie Mae HomeStyle (or the Freddie Mac version) would likely be the better option instead of an FHA 203k loan (which will require a 3rd party HUD consultant to oversee the deal in addition to having the contractor involved). 

Additionally, I created MEC (Material Estimator Calculator), a unique residential renovation software that automatically calculates a bill of materials (BOM) based on the property’s condition.Overall, I’m thrilled to escape the Seattle rain and connect with fellow investors here in Arizona.

Making additional payments or taking a shorter term are just depositing more into that savings account (it's not like the property appreciates more by paying down the loan).