Might be a way to "big rig" the odds in your favor (I'm not sorry for my excellent pun"). 

@Ozzy Sirimsi nailed it (pun intended). 

Here are some basic scenarios of when the drainfield goes to **** (pun intended): 1-  you have a hole after your septic into the Drainfield.

I'm starting at episode 1 of @Mindy Jensen and your podcast  (on episode late teens now and love Mindy's laugh... and your puns). 

There are beginners and seasoned 'veterans' - pardon the pun. 

So I was thinking....does PMI/MI seem a bit ridiculous...I'm mean...tacking on an additional 300/350 bucks a month to do nothing but protect a lender of default from the borrower...Hear me out...your already qualifying for the loan...if your DTI and FICO support you getting debt...then perhaps something other than LTV should negate PMI/MI...maybe set the guidelines at an 800 FICO and no PMI/MI is warranted...dont you think this would "open the door"...pun intended...to price points that would otherwise disqualify a borrower because of payment with the additional PMI/MI included in the payment...HOW CAN THIS BE CHANGEDJust a thought...what say you??

(No pun intended 😃) So, my focus now has become on growing this into a full-time business.

@Heriberto Villa I think you need to escape from New York (Pun intended).

I don't want to get into a "cat & mouse" game (pardon the pun) where the cat hides when I visit to follow up on this, and the tenant continues to deny its existence. 

(No pun intended for the cat lovers)