No home warranty company in my neck of the woods gets any good reviews. 

Unfortunately Insurance premiums always get inflated by such claims. 

Premium wainscoting all around the first floor.Exterior - Top coming offDining room with moldMore moldOld KitchenBathroom

I don't think the bath fitters will be as durable as a new tub, and I think you will find them expensive - they try to appeal to those needing a turnaround in a day, and you pay a premium for that. 

As I understand it, 2 mortgage insurance premiums are charged on FHA loans (a 1.75% upfront premium and an annual premium paid monthly that is right around .8% depending on the length of the loan).  

I know he is building wood items on the side to try to make extra money. 

About a year ago I installed new laminate wood floor in the living room of one of my rental units. 2 days ago I got a call from my long term tenant stating that the AC unit (in wall) was leaking and had destroyed the floor because it had expanded.

First deal 11.2 acres of wooded lot.

Just some windows needed to be replaced and some old wood paneling taken down in the kitchen.

These are like termites and make nests in  wet wood and can travel throughout the studs behind the walls and destroy all wood in the house.