Some of our tenants have no idea how to maintain or clean an apartment.  

Might need to just get to a more informed person at the lender to ask these questions, or get your attorney involved. 

@William CoetGeneral partners (GPs) manage the entire investment process and are actively involved.

We charge a pet fee for visiting pets that is at the high end of boarding cost and at move out we charge to have HVAC professionally cleaned and carpets professionally cleaned (many of our units do not have any carpet) to place unit back in animal free state (many people are allergic to pet dander).

Long-term rentals offer steadier income with less day-to-day involvement.

In Memphis, TN, evaluating a property's potential involves more than just looking at its zip code.

There is barely a voucher holder applicant with a clean background.

I also don't know how day-to-day you are involved with your deals, but it sounds like what you are running into is a scaling problem (private lenders aside) - you can't do more deals because you don't have the bandwidth to do more. 

The last time I did an insurance MTR it involved my work truck, an alternating current generator, 150 feet of extension cord, a sawzall, an appliance dolly, my 14 foot trailer, a house with fire damage and a $3000 Samsung French door fridge.Don't expect to make any money without doing any work.

It also can collect rents, pet fees, cleaning fees, etc. and deposit them.