I mean with no gain and no tax then there's no harm so how could they assess interest and penalties against $0. 

I recall when the change was made, I couldn't edit my name as originally only my user name was used so there was no harm in giving a full name.

The "never talk about money" stigma is so outdated and harmful to people's personal finances.

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.

There's no harm in calling.

Now, you are correct that the tentant really isn't being harmed by this arrangement.

I cannot verify what the client is doing currently.It's really annoying when you get these requests directly from a lender without ever getting a heads-up from the client.The best one was request from lender to write a letter that a 36K withdrawal from the self-employed client's business bank account wouldn't materially harm his business! 

In reality, there was really no harm no foul.

I haven't looked them up in a while, so I don't know them off-hand.What I can tell you is that while you don't need a degree, if the question is "I want to get one in addition to a real estate license" - there is no harm in majoring in business, marketing, or finance.

If one of the houses is paid off I can get there faster and only need 10 houses.Hope this helps.Also there is no harm in starting to look now.