I have made a lot of improvements, upgraded the bathroom/floors throughout the home and kitchen cabinets 

By upgrading key areas and improving curb appeal, we significantly increased the property's market value.

Every decision, from the strategic upgrades to the tenant selection, was made with an eye toward maximizing value.

It included similar "loss of rental income", same liability limits, included building code upgrade, vandalism and even 10% for water damage and 5K for rot.  

At $20,000 for lifetime access you have the option to will to your descendants, 2 generations at $10,000 each is cheap,  (same price for over 15 years, they just recently increased prices) and no upsell when they upgrade all the education for you because laws and regulations change so they keep education current, plus access to a network of investors and practitioners you will need for your team(what's this worth to you?)

I appealed and supplied them with the new photo's, and upgrades.

If the property contains a residential structure, you can do any necessary repairs to make the property habitable (but not upgrades) and the VALUE (not the cost) of those repairs is an additional charge if there is a redemption.

Then maybe do a little upgrading and increase rent.

Thanks for making me aware of the ADA upgrades.

One Builder may give you an upgrade credit if you have no agent.