We are happy to offer you a one-time courtesy full refund but you will need to take advantage of this by today at Noon (insert time zone).

Do we need to have and provide a medical plan to offer an hra, or can employees get covered on an exchange and we offer the hra as an option?

@ Jason Crowe here is a link that explains the flood vening for areas in a AE flood zone, Brake away walls are required in a VE flood zone. https://www.fema.gov/media-library-data/1585162441620-bd1b5b0d5cf34eda30d6363c63290d9a/FEMATB1_508_031320_rev.508.pdfAS for the lenders requirements to have flood insurance coverage; this is because any lender that gets government funds to offer a loan are instructed by the federal Law to mandate any structure that is in the high risk flood zone (flood zone that requires flood insurance) to purchase a flood insurance policy.Every lender for Every loan pull what is called a Flood zone determination (FZD) which will tell the lender if the property is or is not in the high risk flood zone (Typically a AE or VE).

I want to offer something reasonable.

Has anyone done it that might be willing to offer some guidance? 

Feel free to offer up any thoughts to what you believe we should do.

Also working on getting my agent to offer some type of volume deal.

You could try to offer 'Cash for Keys', but at this point, they may have read the multiple headlines telling them they do not have to pay rent due to COVID...

I have dabbled in real estate on and off for the last 20 years, but now I am really committed to making things happen as I am looking to transition into the industry and take advantage of the tax loopholes Real Estate has to offer.

Still never a bad idea to see what the market has to offer.