I heard that less than 20% down causes additional insurance fee? 

However, exploring out of state markets could offer stronger cash flow upfront, so it’s worth evaluating both paths.A piece of advice would be to focus on building your core 4  team: agent, lender, contractor, and property manager.

@Susan Tan you may also have lending options in the Houston area that offer 100% LTC financing for rehab projects.

We are out of state but would be open to working with someone local if they can offer favorable terms.2) Any local realtors you have worked with and been happy with?

It also allows you to search 400 property and property owner consumer fields, in addition to being a driving for dollars tool.

A PM offers so many additional services in addition to things you cannot do yourself - like simply having a 3rd party between you and the tenant.

Is the portal that the landlord and tenants use an additional charge?

The cleaning company I use started offering hot tub service about a year after I got the salt water tub and I took them up on it. 

Just one additional option.  

Quote from @Lionel Quiambao:  ... and maybe throw in the option for the tenant for more speed at an increased rent to cover the additional payment.