I did a little work for this company as a neighbor and the company has failed to pay me $10,000 that was due last November.

Hire a loan servicer - plenty of discussion and recommendation on BP on this topic and some recommendations for servicing companies 

How do I find out what area/lands development companies will want to purchase in the future? 

You are correct they handle by PM company liability I have prudential personal liability.OK, yeah, and they (Coterie) doesn't offer commercial umbrella insurance (or personal) so I was concerned you might not be covered correctly.You have a personal liability umbrella through Prudential?  

Ah yes, I own property in Tulsa but actually also have a real estate automation company with nationwide coverage - I started adding markets to the list to illustrate the range of areas we cover but should definitely add Tulsa to the list as well!

I’m trying to get a heloc or cash out refi on a primary residence duplex.l under FHA.I have great credit but modest incomeWife has bad credit with better income therefore I don’t believe we will qualify for heloc.Our plan was to get heloc to use as a down payment on another house hack or general investment property.So far our mortgage company said they could do the cash out refi which would raise our mortgage from $800 to $1200 (current rate is 3.62) and the rate would go to 6.6To pull out hopefully 30-35k maxMy concern is if I do the cash out.

@Khaled SeirafiRecommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Also, encourage you to learn from the mistakes of others - by reading posts here on BiggerPockets about owners not having their expectations met by their current Property Management Company.

It may sound nice to pay a 6% management fee but the extra fees can add up to be more than the other company that charges 10% with no additional fees.

Just messaged you - I own a PM Company in Naples.

I am also a broker and own a PM company.