The body paragraph(s). Since it’s informative, it is CRUCIAL.
The sentence that had correct sentence structure is
Before we were able to get financing we had to have the house appraised by independent appraiser
The characters are talking animals. Any other option would be logical and easy to explain, but talking animals don’t exist unless you consider a parrot. Nonetheless, the other options are logical and realistic while the last option is not at all realistic. Most children’s books are not realistic.
A cause of great trouble or suffering.