Agency debt is typically 75% LTV and can be in the 3-4% range it today's nearly free money environment.

The agency that assists renters and has been assisting with the uptick needed for COVID.Feel free to D.M. if that feels like a better path for this conversation.

I left for deployment a couple weeks after closing and found out when trying to hand it over to the property management agency.

If it were me and I am investing in a highly desired market where rents are increasing I would go for agency debt and put long term debt on the asset with as many years of I/O as possible. 

So far I've found local insurance agencies have provided the best quotes, but was curious if anyone in the area has a preferred agency?

Anything agency-backed has to be 70 LTV for these criteria I believe.

I would list via a flat rate agency for $100.

I believe 1st Dominion Realty is one of the larger property management agencies in this area.https://1stdominionrealty.com/I am not affiliated with them in any way but as a license Realtor in this area, I've seen and heard of them many times.

I went through a title agency which was owned by a real estate attorney, but his assistant handles all the transactions. 

When you get into the higher value commercial loans, aka agency loans, then they can come down but may still be higher than residential.