And if your property manager is asleep at the wheel, fire them and do it yourself. 

My property manager is insisting he only needs one person to sign it given he only needs one SSN on the W9 for tax reporting purposes.

This could be attributed to the higher quality of life, better schools, and overall satisfaction with the living conditions in the more upscale areas and there is no thing like 0 vacancy. 

But if I wanted to tap 50% as an inexperienced manager I imagine they would lend.

Also, what were the attributes of the lending products?

Upon expiration of the 3-year period, you must provide a new Form W-8ECI.If you do not file a form W-8ECI with your property manager, your property manager is REQUIRED by law to withhold 30% of your income from the rental and forward the funds to the IRS.Legal Disclaimer: The material provided here is for informational purposes only and is not intended and should not be considered as legal advice for your particular matter.

As an investor in syndications and a fund manager, I can see both sides of some of these issues.

So it's important to try to hash out what portion of the struggles are attributable to your PM, and which to market forces. 

Here is a summary of the book.https://www.nateliason.com/notes/long-distance-real-estate-investing-david-greeneThe book also mentions the importance of having a rockstar Realtor, contractor, lender, and property manager. I

She did sign a rental agreement via AirBNB and my property manager. I