If they don't know, then beware- as they are not properly representing you and protecting you from harm.

Don't do partial payments to a bunch (I've seen old 'quiet accounts' wake back up and start reporting late/partial payments when folks do that, doing more harm than good), pick creditors and pay them off entirely, smallest and most recent first. 

Image over substance. 

But if your doing a few a year, I would applaud you for doing things yourself.Another thing I would advise, if you are going to take on a task that could cause harm, such as electrical, or HVAC, structural, etc.... make sure you take the time to educate yourself and make sure you do the task correctly.

What is the harm in doing #1 AND partial #2?

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.

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.

(figuratively speaking) Do not let her get away with harming you financially as a landlord. 

No harm in looking anyway.  

. , please do keep in mind that you are asking landlords to give a tenant information that can greatly harm the landlord.