While 8% is pretty hard to come by for the average person, there are plenty of other options in the 2-3% cashback range for all purchases.

There are minimal down payment options available to first time home buyers with grants and down payment assistance on primary residence transaction. 

There are options for you there, but obviously nothing is guaranteed.

Typically MF and commercial due diligence is extended anyway. 

Do you have downpayment money ready to invest when you find the right option? 

And typically countercyclical to real estate. 

I recently changed dwelling policies to State Farm and they include “Roof Surf Loss Settlement - ACV” in the forms, options, and endorsements section.

Bankruptcy is not a viable option in our scenario and we don't want to stop the process.

One other option, if you haven't tried this already, is to see if you can contact their Customer Service to see if they will make an exception.Here's an alternative way of thinking (probably not helpful) - do you think the automation is worth more than $120/month?  

You are looking at this strictly through the lens of cash flow, which is typically the smallest compared to appreciation and principal pay down.