So, no extra cost to you for doing that in essence.

If you are a Dr. who is investing for extra returns and do not have a worry about Capex then invest the $300.

I really trusted my agent and knew several people who had invested in Reno so I took the leap after trying and failing for years to buy my own home in really high cost cities where I lived (NYC, DC, SF Bay area). 

I live in California and they are looking for any way they can drop your insurance. 

I assume you’ve got a loan that says you will be living there.

You can live in your own space and rent out the others.You may even find a house hack.

Quote from @Michael Smythe: Would only recommend on a Class A property in a city with major housing shortage.Then you are likely to get solid white-collar tenants that understand the living arrangement.Otherwise, you'll get transient type tenants that will be nothing but trouble.This was what I was concerned about. 

In my voicemail, it states if they are interested, to "press 1 to speak with a live person" or "press 2 to be added to our do not call list".

We live in central WA less than an hour from tourist towns of Leavenworth and Chelan.I'd like to connect with private money and hard money lenders, and wholesale investors.

This tenant currently lives in my property with a roommate and they are both equally responsible for the rent.