@Brad FallonI know from experience that when refinancing you are able to do a one time premium for the MI.

As @Steve Vaughan mentioned the risk premium is usually in the interest rate or it could be in fees or points up front.

Notice they are using regular title companies, and the premium charged to the county seems in the ballpark for a full report.

Should I the landlord pay for it and charge a premium in the rents?

Why would a tenant pay that much of a premium ($150) to rent a room in a shared place when for another $50 they could have their own place?

That’s why we are going to be able to build at a premium.

You can of course edit this model to fit how exactly you plan on purchasing and what specific property type you are looking for.

Definition:  the year my rental will have paid off the TK premium. 

The property is being marketed on an online platform that targets out of state investors.Why pay such a high premium for a 100+ year old house, in a questionable neighborhood, that could likely only be sold to another out of state investor who's unfamiliar with the area and/or getting section 8 approval?

PS: I had signed up for the premium access for 30 bucks which may have helped in getting faster response.By the way, I also tried creating a new account and list from there.