@Jerrod PlottsYou don't a CPA, you need a financial planner.

A life insurance salesman disguising himself as a financial advisor .

File your complaints with the https://www.ic3.gov/ FBI financial crimes site. 

Which is why after doing the math I found out that paying off my current high interest rate is a better financial decision. 

Most lenders will have their underwriter review the totality of your financial situation, but how much they impact you depends on structure, timing, and cash flow.

The city determines the long-term financial performance of every property within it.

It is very important to have actual financials to be able to underwrite commercial properties.

This would allow you to grow your RE portfolio by taking advantage of the deferred tax.As others mentioned, there are various factors that might influence your decision, and either could be a viable option, but you also want to consider what aligns with your future goals as a RE investor and financial position.

I know everyone's financial situation is different but I am curious if anyone has an opinion on the financial risk of not only the high deductible but switching to actual cash value and on excluding the "building ordinance and law" coverage.

I respect your resilience and determination.What you’re describing this time around, starting smaller, keeping the turnaround quick, and working with a financial partner... sounds like a smart and strategic approach.