Crisis averted and happy I am not shelling out $340 for his service.

To that end, I hope that this letter finds you and your families healthy in the face of this crisis.

Chris Garner explained the rift to me diplomatically: "We had a different long-term vision of how things should be run."

If your HML had one then I would be going back to them for what they used. 2) Again, may defer per state, but getting a second appraisal is normal and should be at random after the housing crisis, so you shouldnt get the same appraiser. 3) Package like you said you had would help with repair costs and before/after pics4) I would report that appraiser to BBB and comment anywhere clients can leave a review on how far off he was and his unwillingness to use the info you provided to safe any other investors/buyers/sellers from his "services."

In the event of the catastropic issue, you will have to hold a paid off property until the crisis has passed. 

They also want to sign new management contracts midway through a tenant's tenure because some new crisis came up they didn't expect.

As a Canadian, if I wanted to self manage I wouldn't have been able to buy US properties during the credit crisis.

I had no trouble accessing my cash in my banks during the 2008 financial crisis.

First, let me say that the next crisis will not be with the homeowner like ‘07-‘08.

Housing is too high for rents and who knows if new tech will come out like pods that Elon lives in to help the housing crisis.