don't you need lots of account min. balance to avoid monthly fee?

The other bank I also use was interested, but wanted me to move over to their private bank and transfer over my investments to them (they charge a management fee, which would equate to around 12.5k a year for doing nothing).  

If you don't want to hand your SSN out to 20 different institutions, a local independent mortgage broker will be able to run your credit once and show you wholesale rate/fee options from dozens of banks and lenders.

.$1400 Income-$140 Mgmt Fee (%10)-$112 Vacancy (%8)-$210 Mntc/Repairs/Capx (%15)-$915 Mortgage (PITI)I know it's tight but do these numbers look reasonable?  

Late fee $150 till 1st till 15th of the month. 

@Derek Boone, I originally tried to stray away from condos, but this one's HOA fees weren't major IMO.

It is listed with an agent, since I would only be putting 5% down is the seller responsible for coming out of pocket for realtor fees?

I'd recommend determining your true return on your existing house, including $1,700 rent, less vacancy, management fees (should include whether you self-manage or not), taxes (will increase in SC more than your calculation), insurance as a rental, maintenance and cap ex (often ignored or under-estimated).  

Also, keep in mind the funding fee that will be added to the loan when running your numbers.

Vacancy happens...well that's great for PM who make money by turning over the property, lease up fees, etc.