Is it fair to only protect one side?

That’s a level I’m fairly comfortable with but your level of comfort may be more or less.

Your not correct under many different circumstances.First property tax is 1.1% (fairly safe) with 2% annual increase (prop 13).Next expenses include a lot more than property tax and interest. 

Be fair but firm with your choices.

The area is fairly landlord friendly.  

Most everything else you mentioned has been fairly standard on my builds since the beginning.

Transcribing transactions from bank statements, posting transactions to the correct accounts, and then manually creating an income statement, statement of owner's equity and a balance sheet is a fairly time consuming process and I have not been able to keep up with the book keeping between my regular work responsibilities.What accounting software do people recommend? 

Is $3500 a fair price for the treatment?

The fair market rents are crazy high. 

Most local places are offering a CA Fair Plan within a couple days, but the DIC plan is taking weeks.I got in contact with Kin Homeowners Insurance, which I never heard of.