I went really quick to 10 and then found out that a lot of SFH is not sustainable.

Unless it is brand new construction with all utilities paid by tenants, this is very very low and even if true, not sustainable.- Also taxes at 1% (10,000 / 1,000,000) seems low but depends on the assessed value and mill rate.

Every agent can tell out of state investors how they will save them money but if you are not vested through the whole program then you are not really providing them a better solution. 

Wayne, I need a solution and not necessarily the negatives!

Hello to the BP community!  Sorry for the thin bio, will update here shortly...

Let resident propose a solution and charge the service fees listed in your lease agreement.

I will say my firm uses several off the shelf and custom built solutions but that is because of the size of our portfolio.  

To me it feels like they want to present a custom solution to my needs instead of trying shove me into something that isn't the right fit. 

I hope we can reach a solution and I can post a successful ending to this journey.

IMO: Unless you can find a creative solution around that, it's better to save up for the down payment to avoid the PMI.