I feel your pain on needing to bid before you can do the due diligence.

PA laws are a pain, so ensuring you read the laws is a plus.

You're not the first person I've heard of that has had this issue, so probably just time to change banks.Wells has always been a pain in the buns to work with.  

She will likely be a pain to deal with.As far as returning any rents or deposits - where did the bedbugs come from? 

If you are doing your investment for the long term you can gather cash on apartments and it's occupancy is not as painful than with a SFH. 

The city is fine and they are okay with it but the loan is a bit of a pain since the bank I worked with doesn't have experience with this type of project.

That takes out the pain of collecting fees or needing to submit any refunds since its a third party service that tenant pays direct, though report will get sent directly to you upon them paying.

I felt like the heat loss study was such a pain that I should look into a central air and furnace system. 

Even if you find the right deal, securing the right type of funding can be a pain.

Investors should be reading just as many books about psychology as they do about investing.