The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it.We have a 12 page management contract that we've added our real experiences to over the years, with the intent of protecting both us AND the landlord.

You can easily look them up on https://nmlsconsumeraccess.org/If they are a commercial lender, you may want to check for google reviews

My advice without even hesitating, I wouldn't rent anything that doesn't cash flow and provide a good cash-on-cash return out the gate.

Primary Homes - most banks will easily do 80% of the value of your home, some will go up to 89.9% loan to value (LTV). 

Mortgage recasting is a great option for homeowners who:Have received a windfall, such as a bonus, inheritance, or proceeds from selling another property.Want to lower their monthly payments without extending their loan term or going through the hassle of refinancing.Are satisfied with their current interest rate and loan terms.How to Get StartedIf you’re considering mortgage recasting, here are the steps to take:Contact Your Lender: Ask if they offer mortgage recasting and confirm your loan’s eligibility.Determine the Lump Sum Amount: Decide how much you can afford to put toward your principal.Calculate Potential Savings: Use an online mortgage calculator or consult with your lender to estimate your new monthly payment and total savings.Submit the Request: Once you’ve made the lump sum payment, your lender will process the recasting and provide a new payment schedule.Final ThoughtsMortgage recasting can be a powerful tool for homeowners looking to reduce their monthly payments and save on interest without the cost and complexity of refinancing.

Could you please provide insights on these?

I can provide you with some CPA and lawyer references that support real estate investors.

It seems like a common challenge, and any advice you can provide would be invaluable.Thank you in advance for your help!

The rental game is funny in that you want to responsible enough to always make rent, but not successful enough to easily afford buying a house.

I wrote an article that I think you'd find value in that will provide some answers to your question: https://www.straightupchicagoinvestor.com/blog/6-must-knows