Part of the problem is that you bought it just as COVID hit and the rules were altered "temporarily" until I think April 2022 at least.

We have learned that effectively nobody has permit for privacy walls and that several properties have other non-compliant alterations, yet they do not have any problem with the HOA.

I do know Mike personally, and we've altered the agreement based on the feedback others provided earlier (see my last comment). 

Do this before getting the rest of your team of professionals put together as this step may alter your plans altogether. 

Insurance is for catastrophic life altering events.

They gave us a survey to fill out asking about all the new additions/alterations that we've made to the house though these renovations.

There are a number of rent drivers that can severely alter the outcome of your investment (median income, crime, population growth to name a few).

If you slip up in this business the LAW will remind you that ignorance it no excuse.So bear with me as I alter my perspective and thus my approach. 

There is not a shortage of pet friendly rentals in New Hampshire--a solution to a non-problem--simply to over-regulate.https://www.zillow.com/nh/pet-friendly/You'd think they would be altering laws to make New Hampshire MORE business friendly (like Texas does) to increase jobs and increase peoples income vs. making it more regulatory with ridiculous solutions to non-problems.The proponents of this (You get what you vote for--elections matter!)

Now Tarrant County Housing Authority is telling us that the agreed rents are lesser (around $100 short per month), looks like the previous owner must have altered the leases to show higher rents.