Assuming its a Florida Modified 2006 form ALTA policy the place to submit a claim should be found under Conditions 18 of the policy. 

I was under the impression that all banks would go off of the same requirements but because they are able to modify the margins how they want, they can make their terms more competitive if they desire.

If you make an offer that cuts into an agent's commission, it's no longer just an offer on said property - it's now an attempt to modify a contract to which you're not a party.

Modifying it can cause you all kinds of legal issues. 

I always try to modify my business processes if I find something that is not working for me. 

I don't know California law, when is the next opportunity to modify the lease? 

You have the right to modify your living space to the extent necessary to make the space safe and comfortable, as long as the modifications will not make the unit unacceptable to the next tenant, or if you agree and are financially able to undo the modification when you leave.Examples of modifications undertaken by a disabled tenant include: lowering countertops for a tenant who uses a wheelchairinstalling special faucets or door handles for persons with limited hand usemodifying kitchen appliances to accommodate a blind tenant, andinstalling a ramp to allow wheelchair access to a raised living room.These modifications must be reasonable and made with prior approval.

If you are handling it yourself and do not have much experience, make sure you take the time to prepare a proper application (see forms under Tools section above and modify as needed), find a good screening service (Transunion's Smartmove works well for me, with applicant paying them directly), definitely call/e-mail the previous landlords and verify employment.  

I've modified my ad countless times, excellent pictures, and it's a great deal.    

If you meet someone great, but if not, I think the approach has to be modified.