Then we could get rid of that $150 renewal fee that involves sending a 1 page form email saying pick an option.

or, at least would like the option?   

@Ana Vhan there are many commercial options where you can add multiple locations/multiple states onto a single policy.  

It was my only option because I had limited funds and wanted a better future than my day job alone was going to provide.

I would truly appreciate another option if you have one or a local agent referral as you mentioned.Please have someone reach out to me via email or phoneQuote from @Aaron Letzeiser: Quote from @Dean Valadez: I reached out to Obie for a quote and this is the response I received via email:"We’ve heard back from all our markets and unfortunately, we do not have a market available for your property at this time. 

If so, this is the RISKIEST option.

As mentioned above it depends on your goals as well as what each options provides you. 

Say you get to keep 6-7k after tax.I like Option A all day long. 

In a nice suburban neighborhood a large bathroom with a standalone tub can add a lot of value, but the addition of a second bathroom is also important.Do you have an option of making a slightly smaller master bathroom and having a half bath or smaller bathroom with shower stall in the other bedroom? 

The other option is to find a partner with some experience and use that on the loan.