Does anyone know if a loan modification (tacking on the three months of missed payments to the end of the loan) will do any harm to my chances of getting a cash out refi next month?

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesEven if someone give you a referral, don’t make the mistake of assuming the PMC will meet your expectations, just because they met the expectations of the referral source.We recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

We don’t know anyone in the area, but you might want to read our series about “How to Screen a PMC Better than a Tenant”, since selecting the wrong PMC is usually more harmful than selecting a bad tenant: https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesAdditionally, don't treat property management like a commodity and just focus on the lowest price!

We give them multiple ways to contact us(Phone, email, text)We put the fear of god into them about what happens if we have to file eviction:If you force us to use the court, expect the following:** $114 court filing fee** $250 per hour attorney fees, typically 2-4 hours = up to $1000** Sheriff will deliver court eviction papers to your home and workplace.** Your names will appear in the newspaper as SUED FOR EVICTION** Your credit report will show an eviction, making it difficult to buy a car, higher insurance, higher utility deposit** Court ordered garnishment of 25% of gross incomeWe tell them we aren't mad at them, and we know times are tough..

I agree with Jay H. on the point that many new and naive investors jump into this and potentially do harm to sellers.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

On top of that, you have access to the expertise to a whole nationwide network of other agents through the Workplace platform where you can easily connect with other agents, get involved in trainings, etc.

most of the folks that I know that are pretty well off have paid for assets. if your in growth mode then leverage is necessary.. but once you get to a number of doors you like.. and if your not living off of your positive cash flow I see no harm in paying down debt with your cash flow.  

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.