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.

By the 3 more years to qualify it means you are in the guard/reserves. 

Resist that and give yourself some parameters and guard rails before it hits your account. 

I was caught off guard by this, I informed her I had briefly looked.

I was thinking I would create a course that involves a field trip to one of the flips I am working and pointing out all of the things they should catch and helping them understand rehab costs at a line item level.I am an expert in electrical and learned plumbing in the Coast Guard.

I am always on guard in the city , I drive a 2004 Ford truck when I do have to go in , and I dress like I dont have a dime to my name .