So I'm always able to offer a lower rates and fees and still make a decent living.

I've only ever sent out an offer like that once, and that was to a preforeclosure lead that refused to discuss the property, instead telling me "that's not how real estate works, just make me an offer".  

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!

But you're going to have to offer something in return.  

Not having a payment gives you patience to select good tenants and opportunity during the tough times when others are freaking out from vacancy and racing to offer better incentives to put a body in their place.

3) What amenities are they offering?

The current commissioner would allow insurers to use computer modeling of future exposure to set premiums, while requiring them to offer coverage in risky communities roughly in line with their shares of the market.  

While it does offer stability in rental income, there can also be frustrations, especially around dealing with inspections and bureaucracy.

I’m looking forward to hearing everyone’s thoughts and advice.Best,Kevin In Pittsburgh at least FHA isn't necessarily a problem, but you can't be super aggressive about you offer price with most sellers unless you're the only one interested/offering. 203k is tough to get accepted, but a typical FHA isn't the worst. 

I see a lot of potential in your situation, and I’d love to offer some insights based on my own experience and what I’ve seen work for others in your shoes.A couple of years ago, a freind of mine, also a sole provider for his family, faced a similar dilemma.