It will be tough to find anything on the low side, like FHA, the upside is that you have to weight the cost of the PMI, you may not need the FHA.

The score is weighted such that the more-correlated metrics (#1 and #2 on the list) contribute more points than the less-correlated metrics (#3 and #4).

Your portfolio should be weighted towards the invetments you know best.

If you evaluate the weighted cost of capital as 3% for your principal since that's what you'd be forgoing, then the equivalent interest rate on your $90k is nearly 7.5%.((650K*3%)+(90K*7.5%))/(740K)=3.5%To say it another way, you'd be better of borrowing that $90K with any other loan option charging interest up to 7.5%.

@Felecia Brown each part of the country has difeerent rates, so do not put to much weight on premium quotes from outside PA.That does seem higher than the average amount, but sounds like you probably have solid coverage. 

They, and BP are worth their weight in gold!

There are several factors that have more weight to them when calculating a credit score, some of the top being like hard inquiries, paying on time, and account length in terms of time.

Before you take step 2 do a gut check, pray, maybe talk it over with someone who's opinion you will give weight to in this situation.

If the repairs are cosmetic in nature only, then they typically won't put any weight into the repair quotes.  

Acceptable forms of proof for your primary residence would be (sort of in order of weight it would carry, but not precise).1.