If it were me I would cut that bill unless that's the only way they could have access.

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As mentioned earlier you can only have one FHA loan at a time hence you need to refinance out of your first FHA to get access to your next house hack.

They typically have their own yard with fencing separating the units and each unit has access independent from the other units.   

It's also an incentive to keep the rehab on schedule, because although you don't have access to 100% of the money, you are paying interest on all of it.

One of these garages is rented out as storage and will not be accessible for the appraisal.

Getting started should be pretty easy when it comes to insurance, however, as your portfolio starts to grow you'll likely want to get with an agent that very well versed in this area of insurance and that has access to multiple products for investors.  

Do you have access to any equity in your primary or other investment properties?

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I want to access the equity to buy more rental property.