10 years with auto renewal - their financials look great.

Do you have / you must have other types of debt that contributed to your 60% DTI = maybe student debt, auto loans, business loans, etc.?

Umbrella insurance is usually with your auto carrier since auto carries the most risk. 

Proper came in at $13,000 and I submitted with Obie, which suggested in an auto responder a figure around $8000. 

The databases often have inaccurate or outdated home information, and are not able to take into account value-heavy features such as floor plan, neighborhood, exterior appeal, interior flow, kitchen and master bedroom space, interior light, ceiling height, yard appeal, proximity to features that are positive or negative (park vs. apartment building/auto body shop), plus condo dues, amenities, and/or litigation status, along with many other things. 

HelloI am going through my first refinance process everand my old lender already sent me a loan payoff letter.and they also stopped collecting auto payments.Should I decide to back off from my current refinance, can reinstate the relationship and still continue with the same lender with same terms?

@Sam Tang  yes I'm on auto-pay so it deducts from my bank account every month. 

Renters Insurance is pretty cheap and can be obtained through their auto insurance policy

When a prospective tenant sends an inquiry to that address, an auto-responder sends them information on the property (floor plan, neighbourhood info, etc) along with our application form.

What I mean is that I have Podio setup to auto create a responded record if I change the Property status to "Responded".