Thanks for the input that I received here, it helped me to understand how to solve my problem. Unfortunately UD does not have a workable solution presently because the only Insteon PLM available for under $500 is USB based. I spent the last two days researching my options and decided to go with a competitor for the three homes that I manage. You can either go dedicated computer with their software or a hub. No cloud needed after initial setup. The Insteon plug in will even use the bricked insteon hub as the plm or you can use the usb insteon plm. It can do dimmers, thermostats and cameras along with many other brands of devices. Thanks again for the initial direction, its a shame that I could not solve the problem here. Hopefully this solution will be robust and a good experience. I am sure that the UD equipment is solid, just not what us orphaned Insteon refugees need right now.
George