I'd be happy to provide more insight - feel free to reach out!

@Yocheved Beer Lender's customarily will not provide credit for imputed equity for merely purchasing a property well.

The quote I got from my primary residence insurance provider is quite high. 

And *not* junk, they provide you value - a lower rate.Rest assured you'll get an expert on the phone and a great rate(points or not) driven lower with technology from Lower.com. 

@Calvin HaywardReal estate agents frequently provide closing presents to purchasers and vendors as a signal of gratitude and celebration of a thriving deal.

So, this leaves a bunch of smaller lesser known insurance providers.

Get with a good agent who understands short term rentals because the more of these you do then you can scale the insurance under a Business Owner Provider Policy (BOP) and then you don't end up with a dozen individual policies out there for each property that cost you a fortune.

If your CPA doesn't have viable solutions for you, then make sure you exhaust your idea with more professionals as you may outgrow your CPA's "traditional" knowledge.

According to the Fair Housing Act and the Americans with Disabilities Act:Even if a landlord has a no pet policy in place, the law does not consider service animals as pets and therefore the service animal is exempt from such a restriction.Service animals are allowed anywhere a person would go, including food areas that would normally restrict an animal’s presence.Landlords cannot charge a pet deposit or pet fee for service animals, however the tenant is liable for any damage that the service animal may cause.Landlords can require written verification from the tenant’s health care provider that they are disabled but cannot ask for any specifics about the disability.Landlords can require written verification from the tenant’s health care provider that the service animal is needed.Landlords can request copies of the animal’s health records to prove the animal is in good health, parasite-free and immunized/vaccinated.Landlords can write warnings or even evict a tenant with a service animal if the animal is disturbing others, posing a threat to others or causing considerable damage to the property.In other words, you can ask for appropriate paperwork concerning the tenant’s need for the service animal and to verify the animal’s health. 

So, they would refinance your current mortgage and then provide the 95% LTV HELOC.In my situation with the option they gave me it doesn't seem to be far off from my current mortgage, I'm currently with rocket mortgage w/ a 2.8% ARM and to refi with Lower (in order to get access to the HELOC) the new interest rate would be 4.1.