Thanks.just a side note, the tenant has requested first month free rental, windows coverings (not satisfied with the new blinds being provided), and free utilities for 5 days.

When the transfer happens, they should provide you with copies of the tenant records, tenant contact information, your owner records, spare keys, codes, etc.The PM should notify the tenant in advance that management is transitioning back to the landlord.

Instead of relying on anecdotal evidence with your horror story, perhaps do some honest analysis instead.The vast majority of the time a tenant like this will catch up, if the shortfall was caused by a verifiable and temporary issue.

I may be parting ways with my current provider. 

I opted to  provide my renters with a yoga mat, hand weights and the house pool is great addition to get some exercise! 

I provided a foundation that prepared him for life.  

What value do you intend to provide your customers that those two options don't?

This might be because their credit score is too low or the house needs fixing.Although each lender can make their own rules about how to qualify a borrower and their investment, like needing a certain credit score; I believe that flexibility is the best thing about hard money loans since it provides each individual with vast amount of options.  

Is there a referral agent contract normally provided?

Hi we are in two unit condo and are looking for a HOA master insurance policy provider.