.- Mobile has the twelfth largest port in the U.S. which provides ample different job opportunities such as the Coast Guard, which has a base housed right on the bay, and provides over 1,000 jobs.

This lowers their guard and helps you get a figure.Your section on the benefits of working with you is strong.

This really caught me off guard and I personally felt as if this was a bad way to establish a relationship with a new client.

They might be thrown off guard by saying I'm going to charge them more rent for their own built out. 

PMs are usually guarded about working with arbitragers and rightfully see them as a competitive threat.

My property manager then sent another technician who said the gutters need to be cleaned and recommended installing leaf guards around the entire duplex, along with larger downspouts and overflow guards, for a total of $3,013.

The lender is going to provide some necessary guard rails to protect you from what you do not know. 

Berkshire Guard was the most competitive for 5+ unit properties in my state (Ohio) until they weren't and now just sent out letters to all their clients saying they are no longer offering coverage here at all - 100% non-renewal of the book of business. 

I do think you can't go wrong with home guard. 

Under PM there are 3 guards all managed by PM.