I am a real estate broker (specializing in multi family) and an investor in the Cincinnati market. 

Survey of mortgage terms (click to enlarge):From left to right, 1.25 points, 1.5 points, 1 point but $41k in fees.Prepayment penalty: 5 years declining, none, 2 year lockout followed by 10 years defeasance.Commentary/review/discussion: I tried to provide three very different options here, but all still real ways that people actually acquire such assets.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

Anyone in OUR situation (who is not in the 1% of 1% and has dividend / investment income that would provide a sufficient means of living otherwise) is going to be totally focused on cash-flow.  

Home insurance won't cover a lot of system failures like electrical.Home warranties are designed to make the warranty provider money; they are slow to respond, quick to reject claims, charge you a trip fee for every visit, use the lowest-cost vendors that provide quick-fix solutions, and are generally not worth the paper they are written on.

Thanks for everyone's input, I wanted to provide an update. 

If the tenancy is a specified lease term under a written agreement, and the lease term has not yet expired, you cannot impose a rent increase during the term, unless the lease agreements provides that you may do so. 

The company providing the warranty keeps most premiums as revenue and profit."

Here are highlights of the program right from their website:Program Benefits-A 30-year fixed interest rate mortgage loan, several rates and loan options available-Down payment assistance (DPA) 3% to 5% of the loan amount-You do not have to be a first-time homebuyer-DPA provided as a grant (never needs to be repaid) or 3-year deferred forgivable second lien loan-Available statewide through a network of participating lenders.

@Ramy MosbahWe are moving over to Microsoft dynamics 365 which has some built in AI analytics and an AI builder that you can train it to pull data (ocr) from documents, provide insights on leads in your funnel and find data trends.It’s still way to new of a technology to put any reliance behind it besides having fun with it or using it to tell you where to eat on a vacation or assist in writing a post