My mom has established new lease terms with a 5 year lease agreement with the Company in an effort to protect herself against the possible liability that would come from having to remove the blades, and required a huge insurance policy to protect her against this too. 

I am completely open in terms of new investment opportunities / investment types.

I have wonderful long-term tenants whose lease ends June 30th.

Additionally, it can help maximize renovations and improvements.A Cost Segregation study is an IRS approved federal income tax tool that increases near term cash flow by utilizing shorter recovery periods for depreciation to accelerate return on investment.

I am in the process of moving to FL where I have 2 short term rentals. both with mortgages on and the new Primary will also have a mortgage.

However, I'm concerned about the high monthly payments that come with shorter loan terms.

We think it will make a great short-term rental in a very office-space-heavy area.I want to offer her a higher sale price (closer to what she wants) if we can make the deal work for us.Any suggestions?

If you get caught doing a STR in areas they are not allowed, you will most likely get a warning at first, and then they can fine you if you keep renting out short term. 

Others already gave you info on where to find tenant's rights, but for utilities and lawn maintenance, they signed the lease agreeing to those terms.

Here are some diagrams to help you in your quest for answers on this subject:Asset Protection Decision Diagram - to help assess the need for asset protection, and what to implement : https://www.biggerpockets.com/files/user/CosIorg/file/asset-protection-decision-diagramAsset Protection Onion Diagram - what, when and at what cost one should implement in terms of asset protection - https://www.biggerpockets.com/files/user/CosIorg/file/asset-protection-onion-diagram-v2What is needed for a complete asset protection OR the domains that need to be intersected to find asset protection