My HVAC people said they are troublesome to service and keep clean as they don't have the simple filters to change like conventional systems do.

This is a company that will perform scheduled inspections of your rental property to identify deferred maintenance needs, dubious tenant activities (say, illegal pets, bad housekeeping, failure to change HVAC filters etc). 

That includes weekly cleaning, chemicals, flushing of filter when it needs it, topping off the pool, and my people clean the pool deck when it needs it.

I have some telling me that I can do minor repairs on the property and use a credit card to purchase materials (HVAC Filters, caulk or even paint) and my IRA can pay the credit card directly (keeping it at arm's reach).I also see where this interpretation of services versus repairs could be considered a "Grey" area and I am just looking for something that turns it at least a little darker.

Try looking into zillow/Redfin and see what your potential rents you can get near the neighborhood by filtering the bedrooms/bathrooms of the intentional property that you are planning to buy.

It sounds like you don't know how to work with agents, how to filter for an agent that is right for you, or how you need to work with them as a partner, so that you aren't just focused on yourself.

She lives and breathes Arizona landlord-tenant cases.I hope the tenants all voluntarily leave for you!

You can already see the carriers working harder to filter out these type of messages.

Those reinsurance policies more or less filter back to 3-5 large international providers.

Remember, they didn't mutter it under there breath or cram it into some fine print, they are DECLARING it and that is VERY serious.