What a nightmare:1) Lack of transparency and inconsistencies in their internal policies so it is difficult to get proper help from their "Success" team when they give conflicting information.2) We are listed as a quiet retreat space as an alternative the raucous downtown Nashville scene.

One other option, if you haven't tried this already, is to see if you can contact their Customer Service to see if they will make an exception.Here's an alternative way of thinking (probably not helpful) - do you think the automation is worth more than $120/month?  

You may want to consider short rentals as an alternative and not renting rooms.

I'm happy to consider alternative perspectives, but prefer perspective backed by analysis (and preferably not by someone with an agenda to advance). 

With that said- if there are no scores reporting, you can still qualify with showing a few alternative trade-lines; such as cell phone bill, utility bill, car insurance bill, etc. 

I was just hoping there was an alternative for them instead of a large tax bill if we went down that route. 

Alternatively, you may need to factor in a larger repair budget to address the vacancy issue, effectively eliminating the risk. 

I have a 4 unit building in Long Beach CA and looking for alternative rental property insurance companies.

The alternative was them struggling to pay rent on the 1st and being late.

It's a matter of survival of the fittest in the industry, with good agents staying and others seeking alternative employment.