If the husband wants to be the only tenant going forward, it’s reasonable to have him re-apply as if he were a new tenant.

I'm not sure what to go with.which one seems like a reasonable insurance quote?

With that said, most people would not consider insurance costs to be 'reasonable' compared to the rest of the US - your rates are still going to be more than someone with a comparable home in Iowa.

One of the main reasons houses do not sell is because of price. 

Check income to make sure sufficient to cover rent and rental history.

If they agree, and if their asking price is reasonable you can explain what your offer is.

If no response by the 48-hour mark, move on — don’t let your vacancy drag because someone’s indecisive; Robin I really hot this helps you a bit, I sent you a DM on BP... it's one of the reasons I do this, I hope you can assist.

Is $60K + $10K per deal reasonable for an entry-level hire in this kind of setup?

If your reason for buying is cost seg and depreciation and you don’t care if you lose money month after month in the smokies that’s fine.

If this does not work for whatever reason, you can look at biz lenders like Amex Blueprint, Bluevine, or others but they are not cheap.