Hi Jane, welcome to the community!

I am in the process of buying a commercial building in Savannah, Ga and know there is a lot of discussion around “climate change premiums” in relation to insurance. 

Realtor says another deal fell through because it didn't fit their needs for an event location.We'd be coming in with 20% and look at about $10k in initial improvements. 

You think it's you against the world.5.

Expecting annual appreciation of 4% on the property value and 5% on the rent, HOA, taxes and insurance.

I like how easy it is to track progress, and the ability to assign tasks or set reminders makes sure nothing gets overlooked.As for Asana pricing, it offers a free plan, which works well for small teams or personal use.

What is the typical way to price something like this?

In the process of growing, we've reached out to existing STRs and LTRs to see if anyone was willing to do another arbitrage deal as we save up for our next purchase. 

Then, I prorate the rent and apply the overage to November.

There are different names for the same thing (landlord, dwelling) but you don't need landlord and homeowners separately.