Thanks For Texting check out Launch Control, Lead Sherpa, REI Reply, ROOR or Textedly - Just depends on volume and sophistication you need. 

Insurance is still an annual dog fight via my broker.Read your policy very carefully, consider replacement costs will probably be higher than estimatesResiliency is a requirement here.As far as sell or not....it'll depend on your determination to be here.This ain't the burbs of the bay area.Prepping for heavy rain right now.

@Blair Ross Jr depends on how much experience you have with investing in rental properties.

It may even be higher than 5% depending on the area. 

Sometimes cities will allow this, but it depends on local zoning rules.If neither option works, it might be worth consulting a real estate attorney to explore your options.

It would depend on the nature of the repair.

I would anticipate it would depend on the level of detail you desired but it has been my experience that the will do free estimates.

And that depends on how you view the costs. 

It's always worth comparing rates and terms, as some lenders might be more aggressive with loan-to-value ratios, depending on the location and property condition.

Depending on the scope of the conversion it could get quite expensive as well.