Is there an actual reasonable fix to this or do I have to install the fancy heat sensing flaps that will close off air flow going to the bedrooms???

There are many ways to pay PMI:- LPMI - lender paid MI which is a fancy term for taking a bit higher rate to absorb the cost of monthly MI for the life of the mortgage, depending on your credit score it may take .125%- .50% more in rate to absorb your entire premium for the life of your loan- BPMI single premium- similar to the above it eliminates the monthly MI premium for the life of the loan but BP part of BPMI stands for "borrower paid," so as you might have guessed the borrower pays this premium in a cash sum at closing either from their own funds or seller concessions they've negotiated from a seller or a gift from their giftors -BPMI monthly or split premium - MI can also be paid as monthly MI which is the stereotypical way to pay MI and it can also be paid as a split premium or hybrid whereby the borrower pays a good chunk upfront to have a greatly reduced monthly MI payment.Most people take LPMI and absorb it through the rate via LPMI to eliminate MI for the life of the loan. 

Are you just spending way too much money on non-essentials and fanciful desires?

www.thekaldisgroup.comIt is a fancy website with almost no information on it.

I won't go on with the novel, but he are some other red flags: 1) When I showed up to the acquisition manager's house, his wife was running late as she was coming from two eviction hearings at court that morning. 2) At one point on the tour, a young man dressed in stereotypical ghetto ware approached both the PM and Myself in front of a house (I wasn't sure if he was going to try and sell us drugs or what) and said that we didn't look like we belonged in the neighborhood and "are you guys investors?".

Just a week ago I had an inspection done from RHIP. two officer dressed like SWAT team visited my property and checked if my property is in good condition. here is my video thoughts: https://youtu.be/fScVegQ4cto?

I mean red ink saying " hey I loved the dress you were wearing after you came out of the shower...OK OK OK.. maybe that is a leeeel bit exaggerated.. but my point remains.Just say what you need to say.

Edgar1: put a business card together...nothing fancy just have phone # and email address. 2:hop on MeetUp and attend as many meetings as possible 3: network, network, network.  

The job I left was well paying and I had some cushion w/savings and my wife working a teacher position (nothing fancy).  

It's not fancy, a plain room with chairs, but there is a lot of experience and simple good will in the room.