That agreement would be between you and the company (despite whether you're a member or not) This way, you're covering business needs while maintaining transparency.

You also need a good insurance company that can give you an inexpensive builders risk rider with your insurance policy.

I am in Illinois and could use advice if anyone has had luck with a particular company and these circumstances. 

I would contact a mold restoration company and get it taken care of.

I understand that they are looking at income and assets… my question was specifically about how mortgage companies view depreciation on existing properties…

I was told by a company that in Washington state, we are required to decommission them, break the lid, fill them up with gravel and keep them on the property, although they did recommend not putting a house directly on top of it…Does anyone have any experience with this?

Sounds like what you have is not bad at the moment, you just want that one go to person or company every time.  

I’m currently writing a business plan to start a property management company.

However, since the inspection company normally want to make $$ out of it.

I co owned a hard money lending company for 10 years and we would not be willing to be in 2nd position behind an institutional lender.