I don't know anything about it, but maybe it would be good for you to call a couple of independent insurance adjusters?

property is located in independence mo 

Look forward to hearing about your goals and your path to financial independence!

My first full day without a W2 job was on July 4th, 2019 (Independence Day).

And I will hire an independent structural engineer to check and cover my bases.I will post for an update when I hear from them.

Even if I really like the mortgage bank in question, I could just go become an independent broker, broker 100% of my files to that bank (so zero changes in who underwrites, what the guidelines are, who is appraising, etc), and the consumer gets a better deal...." 

However, for the three independent rehab quotes that I have gathered for both of my units, Legit Property Management's quote was lower than the three independent contractors in Hagerstown that I requested for bids.

My thought process of this was to build my credit, save up a lump of money, mature a little, and become financially independent. 

Upon my last bout with lenders and the cost of buying and the monthly mortgage , I realized I need to make more monthly, fall in love and buy with a new girl (uhhhhhhh....rather be independent at this point), save faster, get a higher paying job... etc ....

@Paul Ortiz, you could pay for your own appraisal to get an independent POV.