If you are trying to do something in SB it's unlikely HML will be the correct solution.

I suggest using another property type for the listings, I know that is not an ideal solution. 

Find an Airbnb property managerThis is a great solution for those homes that are on the border of appraising as high as they need to for a lender to meet their minimum loan amount and not have you lose out on spending that extra amount on rehab that would likely not affect the long-term rental numbers by an equivalent amount.

I am an advocate for having your first investment be nearby so you can learn and monitor progress (most first deals end up having one issue or another since you're still learning).

The only solution I found was to just mail it in, so that's what I'll do.

I think your second solution is a better option if you have no other tenant applications coming in and you're wanting to fill your property soon.

The solution is buy the property.  

Find out their need and their wants and you become the solution.  

The only solution I think I can do is only pay for the 1st mortgage....can you guys please help me find any other solutions?

one more vote for "yes"More safety and accountability is better. also, an amenity that you did not have to pay for, monitor, or install and makes the tenant feel happier and safer....is always a winner in my book