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.

. - 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.

Again, the BiggerPockets store has some books on this topic, or you can learn about it by watching podcasts, reading blogs, and interacting on the forum.

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

Again, you market should dictate how you interact with tenants but generally speaking partial rent payments shouldn't be reasonable.

It has appreciated greatly in the west ward and wanting to keep it but don't want the people interaction.