Should I put in special tubs/showers or just hand bars, and provide a shower seat? 

These are professionals with additional training and a stricter code of ethics.

You can start by reaching out to independent insurance agents who work with multiple carriers and can provide quotes from various companies still willing to insure rental properties in high-risk areas.

Readers are advised to seek professional advice.

I usually provide a variety pack of command strips and those felt furniture leg things at move in to protect my floors.

We got to a point we need to ask for other professionals to evaluate our position.  

THEY ONLY CARE ABOUT IS THAT YOU DELIVER ONE WAY OR ANOTHER.also is a LOI necessary if I can provide a POF standing alone ? 

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Hi Wian, Welcome to the community- There are a lot of good professionals and resources here on bigger pockets to learn and grow. 

There are three main requirements for REPS: 1) 750 hour rule 2) Greater than half of professional time rule3) Material participationHere’s a great article that walks through the necessities for your spouse to obtain REPS status.Do you have questions on the ways to benefit from a cost segregation study without personally obtaining REPS status?