I also am in the industry already so I have a few regular networking groups and events that I attend.

Trying to read between the lines it sounds like you have a regular owner occupied homeowners policy in place on a rental property. 

It is not the saturation from regular hosts.

This is exactly what will end up keeping prices flat for a long time.

. - Your portfolio will suffer:(You want a PMC that has great systems in place, including a great portal where you can keep tabs on eveything.You will also need to manage your PMC on a regular basis.

This is very much in contrast to Texas where it is not fixed and regularly between 3% and 4%.  

On the other hand, true private lenders are not professional lenders and hedge fund type lenders (which is what hard money lenders are), but instead are regular people in your circle and sphere of influence.

I thought the regular "free" Stessa account was ok.

I have no debt aside from the properties and regular monthly credit card debt.

Yet, I regularly correct major errors made on tax returns by HRB people and even by CPAs.