@Hunter PurnellIf you're open to other options you could offload a handful of your properties, apply for a high cash value whole life policy, max fund it and then do a couple things:1.

But with your high income and not a lot of savings I would try to save as much as possible for the next few years and then reap the rewards.

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!

My thought is that because they ask for no deposit and the first month free that they will place a renter for cheap really quick and then disappear before ever making a payment to you.

It's wise to then, seek consent to transfer from your mortgage lender.

Buy now and breakeven, and realize more appreciation overall then if you wait until everything goes up again. 

Speaking broadly, I think the best investment strategy involves finding properties that aren't fully utilizing their income potential.At a more sophisticated level, that might mean buying a fourplex of large two-bedrooms, making relocation agreements with the tenants, remodeling the units into three-bedrooms, and then renting them out at market rents.

so they 'hear' a neighborhood is good, and then they 'hear' a property is OK, and they think they can rely on what they heard. 

Simple, close and then put on a few shingles if that's all that's needed, then get insurance.

If the appraiser appraises property as though the unit is legal then the lender will use the income from either unit.