Once you get a little experience and have learned a few things from using tenant cloud, etc... it may be easier to screen without paying extra fees, but that's just me, I like infrastructure when I'm new at something.  

I have around $165k in savings, with an option to withdraw $16k from my 401k after taxes and fees.

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!

Yes, thinking about that option for our next tenants..

If you're using someone else's calculator, you're trusting someone else and that adds an extra layer of "paralysis" in my experience.

Call a few people who do home inspections and ask if they can recommend someone or google "sewer inspector memphis tn" and you will see a number of options-then look at their ratings.

I suggested it to the seller as an option if the GC refuses to sign a release of liability.

Try to narrow down your options to the top 3-4.

Think Multifamily and Rod Khielf are also good options. 

Every option will vary in the level of risk/reward that you take on.