I love PIVX and my PIVX masternode. Unfortuanately it is very expensive to buy a masternode these day, you habe to invest 30.000 $ and get back 120 $ per month.
You can get nearly the same payout if u invest in crave, but you need only 1200$ for a node, that pays 100$ per month.
you can buy crave on cryptopia and a good hoting service is nodeshare.in, you pay 8$ per month (96 $ a year ) and get cahsback of 20% if you pay with byteballs!
Another interesting masternode coin is in my opinion Neutron, which u can also host @ nodeshare.in.
Of course, both coins do not have such good projects like PIVX, but there are not much coins that can compete with PIVX.
This information is for people, how like to have a cheap masternode with good ROI.
It sounds like you don't understand Pivx. You don't need a masternode to stake. As a matter of fact, you often can do better by just staking (with no masternode).
Check here for rewards, but they are generally almost identical.
http://pivx.cryptonode.co/Right now for example, rewards are as follows (from preceding link):
Monthly revenue for 10k Pivx 41.74 PIVX 132.15 USD (Masternode) 50.25 PIVX 159.07 USD (Staking)
Staking is more profitable, your problem is solved!

edit - ps, if you only have 5k Pivx, it is as follows: 25.12 PIVX 79.54 USD (Notice, you are not penalized)

The masternode/staking rewards always fluctuate. When the number of masternodes go higher, the masternode rewards will go lower and when there are less number of masternodes the rewards for masternodes will be higher.