No NON-QM broker or lender should be collecting upfront fees for processing.

When we deal with these, we let the tenants know that we will be putting them into collections and seeking a judgement. 

Next, I'll be pivoting into subsidized housing investment and collecting rent $ from the government as i truly do believe this is a way to boost CoC return percentages in today's market.

I am considering other options to see if there are ways I can hire someone to just do showing only and mamage my own rent collection through Zillow app, I also have my own contactors to do maintenance but have been paying monthly fee to my property manager who has done literally nothing, they also never answered my calls.It definitely sounds like you need to reevaluate your relationship with your property manager.

Certain expenses are all lumped together for the sake of the P&L like insurance and taxes and others like repairs and maintenance can be viewed collectively or by individual property.

If she pays, then your really out of luck and you have to sue her in court for breaking the lease and damages.In general, I don't take people to court once I have the property back as the attorney fees and the fact you RARELY collect on any judgements (15% of the time or less) eats any profit and wastes your time.

Doesn't the bank make more money by collecting 7.5% interest instead of 1.88% though?

Ultimately the tenant will be charged for it through collections or a judgement.

The idea of branding is great I think and allows guests to collectively remember your properties. 

Tenant and Lease ManagementSimplify tenant payment workflows, digitize receipts, and efficiently manage leases, rent collection, and maintenance requests, etc.5.