Whether or not you put in a claim or not, you should deal with a professional who knows how to handle mold removal.The first question I would ask of your agent is, does the company's guidelines allow them to non-renew this policy at renewal. 

Purchase price: $153,800 Cash invested: $30,000 This was my 1st Rental Property in Myrtle Beach SC, using it as short-term rental and leveraging a property management company to handle the day to day activities.

I can't promise you future deals won't be stressful (in fact I can promise you they probably will 🤣) but I can also say they'll be easier to handle now that the process isn't entirely new to you.

This is also beneficial, as the agent will handle/delegate the bulk of the transacton and will negotiate on your behalf.

He is willing to come down on price in exchange for me handling removing the tenants myself (from $105 to $100k), and this was a solution I brought to the table, not him. 

I can not strongly enough recommend using a good REI bookkeeper to handle this.

Whats important to me: #1 cashflow, rent ready although I can handle a little cosmetic stuff, nice neighborhood, parking, laundry.  3-4 families in my area are 350-500k. 

When I approached the same major bank currently handling my mortgage, they told me I'd easily be approved for a 150k loan, cutting my monthly payment in half, and locking me in a 15 year rate of 2.8- 2.9% instead of my current terrible 5.5% rate.

All the development and Rent up phase risk/exposure has been handled by us. 

A title/escrow company handles it from there.