I agree with @John UnderwoodI remember you posted about arbitrage last week. 

That style of learning and introduction to true industry catches my attention as having someone in the space that understands the space to bounce things off of and learn from seems to be the ideal way.I have through a handful of the webinars and follow up calls with different companies and they all basically pitch similar ideas and strategies.

Ideally you would want to transfer the funds you expect to use for the purchase to your new entity for your records to create the separation from personal to business. 

How do I deal with her and is it a lease violation?

Be ready for continuous learning and remember that networking is essential in this industry.

Ideally, you want something in writing, but that is probably unlikely since no one will want to stand behind a not-yet-final number.

My ideal location is in the middle so I'm away from severe flood risk, but still 15-20 mins tops to downtown or the beach.  

While this insight is valuable, it’s important to remember that thorough analysis is always crucial before making any final decisions. 

Because on average, we can only remember three things at a time.

I know that ideally, I reach out to my broker or any other reputable insurance provider to get a more accurate estimate.