We gave them the option to either provide them with the nightly rate per diem of the rental for them to do as they please or we would book accommodation for them.

It is the equivalent of crashing your car then trying to buy insurance to fix the car after the fact.A home warranty or homeowners insurance policy will not pay for mold because mold is a maintenance issue.You didn't say what is wrong with the garage - if it's a broken door opener that is typically covered on a home warranty.My experience is mixed with home warranties and I can 100% tell you your satisfaction comes down to the local trade person that shows up.The home warranty company does not employ trades - they contract them locally at a fixed rate for the work performed sort of like how car mechanics are paid. 

To that end, it may be slightly more efficient at getting a first contact rate than other tools, as folks may be temporarily lulled into thinking they are being contacted by a human. 

I'd ideally like something that'd be an interest-only construction-to-perm type of loan for a small multifamily like mine, with the cap-rate helping reach the proper ARV %'s that most lenders need.

Most hard money works like this Rates: 9% to 13% (Most Deals are 11-12%)Terms: up to 36 Months (Most Deals are 6-12 months)Fees: 2-4 points(%) of loan amount paid at closing (Most Deals are 3 points(%))Minimum Loan Amount: $50,000 (For loans less than $250,000 $2,500 minimum fee)Max Loan: 65%-70% of After Repair Value(ARV)100% Rehab Financing Available (Require 20% of purchase price down payment or cross-collateral)Closing Timeframe: 48 Hours - 3 Weeks (Most Deals are 2 Weeks)NO PRIMARY RESIDENCES, NON-OWNER OCCUPIED ONLY, BUSINESS AND COMMERCIAL USE ONLY.

It helps you find reliableproperty management partnerships and gives you everything you need to makeconfident hiring decisions: Expert Matching: Match with professionals who meet your criteria Extra Assurance: Licenses, experience, ratings, reviews, and more that can be cross-checked with BiggerPockets members Bonus Content: Receive an essential interactive workbook: “How to Interview Property Management CompaniesHere’s how it works:  Enter your market and what you're looking for Instantly see top matches and their qualifications Connect with only those you want to interview Bonus! 

Am I simply a hobbyist because I don't charge everyone the same rate or because I left 0.25% on the table?

I never really take it serious with rent rate optimization.

Thank god I did because I received it on the last day I could go to the assessor and talk to her in person before I the may 28th appeals datethe letter reads that my new assessment is 590k and that my new taxable rate was 91% of that 590k.  

I had a similar experience also didn't get 2 of my properties rented by November after I turned over one at the beginning of August and the other mid September.I switched to another local but flat rate company who rented both in less than 2 weeks.