There are many national programs with master policies that have the ability to have a high deductible or even General Liability only.You are at a size where you can strategically structure your program to self insure a larger potion of your risk.I will PM you some info.

We have both programs. 

You may want to look into/ask your lender about the Home Possible program (our neighborhood had no income cap), which I think cut down the PMI a bit.

I was also encouraged to look into MACU's 90% down program for investments, so I'm looking into that and seeing if the numbers make sense with that loan.  

Or start a local REI group together because our local one seems to just want to sell investors programs. 

Some rental owners have active maintenance programs and actually have reserves or means to replace worn out roofs, driveways, windows, hvac, plumbing, etc some not so much..Without going in to too much detail, does it look on first glance like they milked the property and are looking to pass all the deferred maintenance and major replacement costs on the next owner?

Today I was told that program might be going away. 

The home is not "Historic" which would have been a benefit (because in Jersey there are programs to assist funding you with keeping the property up to date), but rather mine is in a historic district.  

We are looking at a attached Row House that is SF rental by current owner and in Section 8 Voucher program.

They do not want to tie up the property for a long time especially if the seller is wanting to close by years end to 1031 into a tax advantaged program etc.