You need a local/state specific lease.2.

If the tenant fails to provide proof, I would reach out to a local attorney about handling the lease violation appropriately, especially since Texas has specific landlord-tenant laws.

.* Receipts and Expenses: Once I brought to Jenny's attention that we were 20k above budget, she refused for days to give me the receipts, saying that I needed to give her my credit card statement first.

That is illegal unless you have specific licenses. 

However I ran a few quotes on Obie Insurance (geared specifically towards landlords) and for only the 4 houses I checked, I am saving 1,5k a year if I switch.

I want to preface this by saying I'm an absolute newbie when it comes to real estate investing, but the more books and resources I consume, the more I find myself gravitating towards commercial real estate, specifically hotels!

Specifically for us, we focus on the outskirts of Orlando.

If you are looking for Detroit-specific help, @Drew Sygit would be a good resource.

Adding details and specifics can help get to the answer or direction you're looking for.

Just to name a few: Borrower's Experience FICO Loan Amount Loan Type being sought: Perm (30 yr ams), Bridge (12-36mo I/O), Rehab (12-36mo I/O), Ground Up (12-60mo I/O) Property Type (1-4 unit, 5+ MF, Warehouse/industrial, Hospitality etc)If you have a specific deal in mind, then you can have a lender (or broker) look at it and give you a better idea.