The list isn't important anyway.B - The process you are following, doing what I am assuming is a Sandwich Lease Option is as follows:   1 - Gain control of the property by signing a lease agreement, and an Option agreement (they are 2 separate agreements, and should NEVER be a single agreement...and never include references from one to the other) in the name of an LLC (you).   2 - Sub lease to the tenant (buyer).   3 - Sell an Option on your LLC to the Tenant/Buyer.   4 - When the Tenant/Buyer exercises their Option, they are buying the LLC.   5 - The Tenant/Buyer now owns the LLC, and all its assets...which include the Option to buy the property.   6 - In the end, the Seller never changes, and the buyer never changes. 

Be sure to put the money you're saving in monthly payments away rather than spending it.Once your spending is under control and your score is over 700, your rate will be significantly better than what you're going to get quoted right now because your debt ratio will be in line and you'll be able to show that you are able to handle the higher monthly payment. 

What about landscaping, pest control, or other possible utilities. 

Scott shall not be considered active under the following circumstances: unemployed while seeking gainful employment, on disability from full time employment, retired from government employment, or other circumstances out of control and atypical to choosing to pursue his housing business endeavors as his sole source of primary income. 1.Should Scott choose to “actively” engage in housing as his source of employment as defined above, Scott agrees to give 25% (twenty five percent) of his net profits accrued from his active efforts during the period of marriage to wife in the case of a divorce.2.Payment of such percentage of funds shall be payable over 120 equal monthly payments, or equivalent to no greater than 10% of Scott’s New York State Adjusted Gross Income, verified annually with payments adjusted the 1st of November each year, whichever is less, to ensure no undue hardship to Scott or the business will be endured.

You can't control the openings in your neighbors houses.

Sounds like I'm paying an additional .375% and it's out of my control. 

It has a climate control unit that allows total comfort year-round, regardless of the weather outside.

I also have a 9 year background in construction in various aspects; estimating, project management, project controls, etc.I am here to learn, grow, and help.

Properties in Broad Ripple for example were outta control during the summer.

The only better option is if you purchase that property with some sort of short term financing, control the rehab process yourself, and then refinance out into a conventional loan avoiding the PMI.