As you've already discovered, dealing with their cosigner can also create a lot of extra work and come with problems, particularly if you have a helicopter parent or two.Home care for four residents?

If so, for them to stay they would have to cough up that extra money ...

At the cost, and given the benefits of most mortgage insurance offerings, is it worth it to pay (however much extra it is)?

Quote from @Brandon Polcawich: I recommend you spend some extra time educating yourself on how to run the numbers so you don't miss something and get into a bind.

If I'd know that I'd be paying it for the life of the loan I would have been better off paying the extra 5% down payment and enjoyed the lower interest rate but I don't recall ever being informed of that or reading it anywhere in my documents.

A year round pool is going to add way more money than an extra bedroom given you already have a large cabin. 

In this case, he actually went the extra mile to negotiate a contract change with the seller due to my concerns.

Is the extra few bux a year worth it? 

The extra info in regards to me is that I get an extra 4k a month due to my prior service in the military.

Just a hookup and level site probably won't do too well, but if you put a little extra into it folks will be more interested.