I'm worried about how much penalty I'll have for using my insurance.Or, do I save on monthly premium and hold a high deductible, and pay for a new roof out of pocket once it fails? 

Additionally how much of an interest rate premium are they charging to originate loans at that value. 

They mentioned that they are willing to pay a premium for a 6 month lease that most property owners charge.My question is what would be an appropriate premium for a 6 month lease if I am asking $1700/month for a 1 year lease?

They claim that they will pay a premium on the rent but only for a short term.  

So, $100k of payroll would generate $20k-$35k in WC premiums. 

Not to mention, can lead to lower insurance premiums as you can often push the coverage when claims arise on the bad actor (as long as your contracts are papered correctly and your insrurance certificates are in order). 

Once you have found out what their fees are, you need to find out how many months of property taxes you would have to pay as a buyer, then call your insurance company to find out how much your annual premium will be; there may be aditional fees in Detroit that I may not be aware of. 

When we offer lease extensions and the tenant decides to go m2m we include a premium of $50-$100. 

With the current high interest rate environment you're looking at probably double the interest rate and if you're making just enough to live I'm guessing your DTI is pretty high so you're not going to get premium rates.

Also, even if you pay a premium by using a properly vetted 3rd party, its worth it if you are getting a better product.