However some lenders like myself offer a one time premium for the MI vs monthly that can be refinanced into the loan amount if you are short of that 20%.

Should I have a premium for finding and making the deal?

Recently I decided to post some properties on marketplace, wanted to update my membership to pro, took me automatically to premium which is significantly more money a month. $99 versus $29, okay why not. 

Given the potential for damage, landlords should require a pet deposit and/or incorporate a pet premium in the rent.

Too often I am working with homeowners that rightfully don't understand insurance language and agents will sell them bad coverage just because it makes the premium more attractive.

Plus it's free and both of you can edit it.

You can improve the accuracy (or manipulate it) by editing your home details.

Re-evaluate in a couple more years - Reap the benefits of my tenants paying the rent/premium, tax write off, etc? 

Everyone's paying a premium now because buyers are greedy.

Edit- I damn near forgot to mention that while there are REITS that have been paying out steady dividends for decades, a preferred position in syndication only means you are in line to receive a distribution IF the deal works out enough to met a hurdle.