There are other informational requirements based upon maximum occupancy and vehicles.

Seems fair based on your assertions. 

Otherwise, you could potentially do a Debt-Service Coverage Ratio purchase or refinance to get the necessary funds which would be a cashflow based lending option for investments. 

An insurance agency could charge a fee as well but they'd have to show that too.If everything is the same on the policy (can be hard to tell with a cursory look at a quote) it's possible some of the internal risk information was changed a (such as year of update) and the underwriter changed pricing to reflect that.It's also possible one agency asked for pricing credits to get as close to a certain number (perhaps a number you told them based on the current policy) and the other agency was unaware of that number so they didn't ask for credits.That would be the most likely in most cases but it's odd since the quote was already created and given to you from The Hartford that it would change so much.By the way, your agent should be able to retake control of the quote quite easily with a signed BOR/AOR as discussed. 

For instance Cleveland Heights & Shaker Heights are historically around 4% and above while Cleveland proper is usually 2.78% or so.   

Yes, it will lead to paying interest but you're talking about a pretty insignificant amount based on a $45 balance.You need the balance to report over a period of time so the bureaus have something to score.

Notes:*This value is based on rental comps in the area as well as the current lease agreement for one tenant**Prior years' operating expenses were estimated based on current owner's actual operating expenses as provided by the listing agent.

I'm not sure of the situation but based on the info I would approach this differently.

For example, a “base hit” single family house I bought off the MLS 6 years ago cost me 100k.

I still follow one of those people today and trust them and their conclusions 1,000%, based on my experience with them.Once again, I feel the place for you to start is to get very clear on where you "want to be", then you will be able to get a clearer idea of what to do today to head that direction.