I am new to BP but not new to investing in buy and hold.The reason you are not seeing the 1% rule is because you are comparing apples and oranges.

Maybe you are using the app from an Apple device rather than using the website via a web browser; if that is the case, you can do those things using Safari. 

Make sure you scroll down and check out floor plans to make sure you're comparing apples to apples.

Get a few quotes or work with an insurance broker that can compare apples to apples quotes from other companies.

I am looking for something simple (Apple-like product).

Mark, you're mixing apples and oranges, those fee structures apply to regulated lenders and dealers, not mom and pop or private lenders who are and have been for decades restricted from charging "lender fees".

It also sits just about 15 minutes from the new Apple campus that is still being built. 

Typed on an iPhone.

Also as noted, the damage typically does not stop at the sill plate, so just be sure you are getting apples to apples bids.

I have never used Hard money before and I am pretty curious about it.One of the things alot of new investors fail to understand is that often when you shop hard money you are often looking at apples and oranges not apples to apples.