**Regarding TheGuarantors**: They are a reputable company that provides rental guarantees, offering you extra protection.

Sorry for the following Contrarian advice, but you're not a 5 year old so:The only reason to buy a personal residence (Home) is because someone is forcing you to.Usually, this person is called your Spouse (which is Latin for someone who forces you to make horrible financial decisions then criticizes you for them endlessly:)perhaps DON'T buy a home, just rent something affordable and invest the 20% or in your case 50% into the stock market (sp500 16.1% yearly return last 15 years, 11% last 50 years, 10% last 125 years)remember, your RENT is your maximum monthly housing expense, but your Mortgage is your minimum or starting monthly housing cost, it always goes up from thereI've, owned 2 personal homes, 100% appreciation in 6years on #1 and in 7 years on #2, (I timed our market perfectly both times), with 20% down and very low mortgage rates, but after honestly calculating all expenses, only made about 5-6% a year "investment wise".

Whether it's mold, COVID, or a non-paying renter, a quality PM acts quickly and decisively to protect people, property, and the landlord.If you feel the PM was negligent in their response, you can file a complaint with the state commission.

Is it to protect you in case of a lawsuit? 

Until then, it seems current tenant is on the hook and my income stream is protected by law.

It is reasonably priced per property and seems that it has been created by engineers specifically for properties worth less than 1.2 million and has audit protection.

Investment Info:Single-family residence fix & flip investment.

If you are getting a true turnkey home that hit's the 1% rule there's a very high probability you are in a more challenged area where the residents aren't as consistent over time. 

We only use deadbolts so residents can not lock themselves out.

Investment Info:Single-family residence buy & hold investment.