Instead of focusing on move-in-ready rentals, consider fixing up a cheaper property (BRRRR method) to add value and boost cash flow.

If you have a buyer's agent, you should have already signed a buyer's representation agreement and that fee/commission is disclosed in that document so you should very well know what that charge will be.If you were the seller and going to owner finance the property, what would you want to see from the buyer that tells you that they will be able to pay the mortgage moving forward. 

It will be cheaper than our mortgage and our incomes will be increasing.

The management company replaced some of them, however there are still several other fees related to the theft that we are trying to get reimbursed for (they told us we would not be charged, they charged us anyways).

Owners were charged an assessment (several thousand dollars) in 2023 to put into reserves, as per the new rules after the Surfside collapse.

It is a fairly signinificant set up fee and monthly charge. 

The lender does charge the flipper 4 points upfront, and the note represents 55% of the property’s ARV, so I’m not too worried about needing to foreclose if it comes to that.The lender uses his own capital for initial funding and then sells off the notes after that.

Explore the possibility of doing liability insurance instead, if you don't have much equity it may be your best, and much cheaper option.  

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!

Back when I was in finance, we had a broker who was charging a family 2% for management fees on their cash that was only making 0.3% at the time.