I just get tired of being called mean because I actually just tried to raise what I thought was a wise concern.

Concern!

Fair point, but not necessarily concerning: this is still job growth, right?

If you pay perfect and don't change the insurance the servicer might put you at bottom of pile of concern.

If you have any other questions or concerns feel free to reach out any time. 

My main concern is the limited cash I have available for the down payment and renovation costs.

Feel free to reach out to me directly if you have any other questions or would like to discuss a few other concerns you may run into during your remodel to Duplex your 1st floor unit into th basement.

Andy,I am more or less breaking even on the rental and am concerned that I would not be cash flow positive if the rate goes higher, since it's a variable rate. 

Some of the most basic information you will want to know during the tenancy are:1. periodic reports from the PM regarding inspection results, including pictures and notes2. periodic (e.g. monthly, quarterly) finance reports from PM3. lease terms of new or renewed tenantsThey should contact you about:1. major problems or concerns with the tenant or property that may warrant termination of the tenancy or non-renewal.

what you do with the money is likely less of their concern as long as they feel their position is secure in getting their loan repaid.