Very few non-owner occupied property policies guarantee full replacement cost - they typically provide replacement cost up to the dwelling limit purchased. 

Feel free to shoot me a DM if you want to talk about the market in more detail. 

And although I'm grateful to have found another lender to get it done, it cost me more money in points, a higher interest rate because of the current rate was higher than previous, and I had to buy another appraisal for $750.The response I received from one of the founders of the company states: "We are not able to refund any amounts at this time as the time of quality control has passed....

Is saving the fee a PM charges worth the potential thousands in cost and headaches?

to save costs, and responses sometimes took weeks.

Even though the FMRs are $730, I was conservative and used $600 for my Pro Forma- The current owner hasn’t raised them at all because he didn’t want any turnover- outside of cleaning and painting, no big costs- Not Section 8 

More work, more time but you can take advantage of a nice cost segregation / bonus depreciationThis is the truth! 

Start with BiggerPockets Ultimate Beginners Guide (free).

If your experience has gone downhill since the merger, it may be worth switching to a more proactive manager—even if there's a cost involved.Before making the move, ask the new PM how they plan to improve visibility and fill your vacancy quickly.

If any costs go up, developer eats it.