The cost associated with insurance for not having 20% is peanuts compared to what you potentially can do leveraging your down payment. 

I've seen this in the news.This doesn't affect me because I'm small time compared to these big companies.I also don't purchase any pricing software.

For instance, Berea is a charming college town, but the combination of local taxes and less favorable price-to-rent ratios makes it less appealing for investment compared to other areas in the state.Agree here! 

This puts the home underwater.I've calculated the following two options: To sell the house, it would cost me about $60,000out of pocket.

Also, what are some other low cost amenities that I can add to my STR that will yield a higher ROI?

2) What is the average rent in this market and how does your asking price compare?

Quote from @Tove Fox: What are the pros and cons of each when compared?

Quote from @Unal Baris Kancoglu: I contacted as many companies as possible to get a quote to compare prices for new gas furnaces.

Understand the fees involved and calculate the total cost for an entire year of management so you can compare the different managers.

Obviously I want to keep my costs low but still want to spring for amenities that would give me a competitive edge compared to other rentals.