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.

Hot tubs can cause more harm than good. 

Since you already had the initial credit pull, additional pulls will be essentially freebies and not harm your credit (if you do them soon). 

If she wants to pay the rent on the 16th every month, let her. what's the long term harm in that?

I've also been looking at the Affordable Loan Solution® mortgage from BOA (3% down, no mortgage insurance required), but I guess that loan has restrictions, such as the "borrower’s income cannot exceed the area’s median income" (somebody told me this restriction...still need to do some more research on it).I guess I'm worried that the PMI of the FHA loan will end up causing me more harm than good.

. Review investor-purchaser plans for conflicts of interest that could lead to harmful outcomes, such as aninvestor’s financial interest or other business connection to a large-scale rental housing entity or home auctionplatform. Compel investors to prioritize sales to owner-occupants following foreclosure in order to promoteneighborhood stabilization and support prosperity in the respective community. Require that the secondary sale of any loan by an initial investor-purchaser to another investor must prioritizehome sales to owner-occupiers. Ensure the release of performance and outcome data for each pool of loan sales, as well as the demographic dataon the sales."

Be careful you don’t do more harm than good.

If they are truly motivated and need to sell then you could do them real harm by not being able to close.

Distressed property in a rural Missouri town near Loess Bluffs National Wildlife Refuge.

Welcome to BP Peyton Harm !