It's a result of supply and demand. 

The broker does this for free because they get to supply the resulting force-placed policy.  

Apartment data is very good for BFR.BTR more resilient to flat rental growth.Fundamentals of BFR are normalizing.Look at supply coming into any market you are developing.Look at yields that are accretive to debt.Investors in 2021 and 2022 looking at just yields and not market value of their assets.

In this kind of setup you don't normally provide other than starter supplies for consumables.

Buy your Own MaterialsThe hot tip for the week is: Buy your materials / supplies, especially for high-priced /large / single items.

Supplies cost around $1000. 

@Kim Kelly I love house hacking and have been at it for decades before it became fashionable.

Low supply leads to rising prices.  

Similarly Market Supply has remained at a more healthy value, but is not indicating any issue or distress of the market.

I don't know which are best but you can bet if it supplies too little the tenants will change them for ones that flow more.