I think my fees are high until I shop around and then I am thankful. 

You will need to make sure that are no gaps in windows, doors, etc and that the HVAC system is well maintained as a tenant could argue that lack of remediation is the culprit for a high utility bill.

I highly recommend finding a broker and have them find a policy that meets your specific requirements.

I mean I highly doubt( but sure there will be other who say otherwise just because) you will find a very good investment property listed on MLS or other publically available service.On a side note if I did have aprroximatley 400k equity in two of my homes could I use any of that to invest in another property?

This is the class of property that I'm referring to when I talk about very high tenant demand and low vacancy. 

The house includes high-end upgrades such as custom cabinetry, granite countertops and energy efficient appliances.

Respond within minutes to each one, as tenants often go with the first responsive option.Ensure you have high-quality photos that make your property stand out against the competition.

Once you go above $125k/unit you start to get into the high end areas that won't have very good rent/price ratios and are under the 1% rule mark for turnkey stuff.Neighborhood wise in the city the "East End" is where the most expensive real estate is since that's where the universities and a lot of the hospitals are located.

My partner has done HML for a large population in our market. 

I've now used it twice.The program requires 10% down, must be a rental, no PMI, and has a very high standard of credit.Last I did it (Summer 2022), my rate landed in the low 5%.