While trying to estimate the home owners insurance, I ran into two companies telling me they won't insure the property because it is in fire risk area.

Then they tell me to expect a call from one of their property managers regarding the work.Days later I get a bill for $1850 from the property management company and it says the property manager called me and I approved the work.The thing is, the property manager never called me, no one ever gave me a quote (only an estimate), and I never approved this expense, and yet they did the work and sent me the bill anyway.What should I do?

Make sure that you're being extra conservative in your estimates and the money still works.

I'm estimating an evg rehab cost in the 30-50k range.Are other Phoenix investors experiencing this same things?

Choose another contractor for an estimate for a new system like you already have.

and I spoke with the bank earlier today and confirmed that we should qualify for a jumbo loan that would allow us to make this work out.The place I am getting stuck is trying to figure out any kind of realistic estimates for whether the three cabins are actually able to generate enough positive cashflow to allow us to eventually step back from our jobs and/or running the numbers for everything in a way that I would feel confident enough to try commit to something like this.Would it make better sense to try and start out with something more simple/conservative?

@Sitaram KoppakaIn addition to speaking/researching the local city/county assessor’s tax office, you can reach out to a tax consultant and often get a good faith estimate for the expected change.

Therefore increasing the cash flow.I know this is a rough estimate as more information is needed.

If they have an estimated damage in the report it is a pretty wild guess by a Fire Marshall who doesn't estimate for a living. 

Zillow rent estimate shows this place at $850/month.Someone will buy the house and spend $15K to fix up the place.