Most of our clients are professionals - physicians, attorneys, software engineers.

So, they can markup what they paid out and keep the difference.Most PMC industry software has these two options built in.So, it's just a matter of understanding how your PMC is marking up maintenance and not expecting it to be for free.Regarding the specific charges you mentioned - there has to be some level of trust with your PMC. 

Never used software.

On a more enterprise scale, I employ RevMax software as well as a fractional revenue manager who looks at the prices daily on a market level and a comp set level. 

I have ~20 doors in OH that I self manage (there are some awesome softwares out there now for self management) and am looking to start investing in Buffalo too.

The simple reason is that you cannot even tell debit cards from credit cards without a special software.

Whether you need a CPA with just three rentals depends on the complexity of your situation and your comfort level with DIY tax prep.If things are pretty straightforward, you might be fine with tax software for now.

They/you can't choose the carrier - their software assigns it.Fortegra is one of the carriers (paper in insurance parlance) that their product is written on.That said, Fortegra is A- rated I believe by AM Best so that isn't the issue.I'm going to take a guess and say that your umbrella is written with PersonalUmbrella.com (Markel) and they require all underlying insurance to be A-rated but also with an admitted carrier. 

Our software has an option to have someone who looks at our pricing daily and tweak yes. 

I created KBKG's Residential Cost Segregator software.