In our market it is important to make sure they are a licensed broker, carry adequate GL and worker's comp (and name you as additional insured).  

I would check with your insurance agent and the city.

The Homeowners Insurance will include Builder's Risk. 

When you move forward, they should provide proof and name you additional insured.

My partner and I keep an excel spreadsheet of rent, our purchases, utilities, taxes, insurance, and money spent on contractors.

I am a nurse and can relate to holding a w2 for insurance and being able to flex my income with shift work.

Have you tried going directly through your insurance provider?  

You set your own payment terms with YOUR client and then find funding for them.The Capital Syndicate is a private lender firm that offers financing through their own company, but they also provide you with a list of about 150 other private lenders. 

The property was rented and generated $160 cash flow after mortgage, taxes, insurance and property management fees were paid.

However, before you do so you should ensure that your revenue from rental income covers ALL your property expenses in the townhome, including mortgage, taxes, insurance, maintenance/repairs, vacancy, property management, etc...