Your PM made $10,000 in repairs/upgrades without even asking your permission in advance. explicit permission in advance, and you allowed it.

They typically are yes - you would likely be looking at a step-down PPP so for instance on a 5/1 ARM loan it would be 3%-2%-1% in the first 3 years and then the remaining 27 years will not have penalty. 

The eviction moratorium explicitly stated that lease violations nor lack of rent payment were grounds for eviction. 

Links:  Houston armed arsonist killed: Evicted tenant smokes out property manager and 2 others and shoots them to death, HPD says - ABC13 HoustonEvicted resident shot, killed after intentionally setting fire to multi-rental property home in SW Houston; 3 residents dead, police say (click2houston.com)

If the answer is no, then again it would be inappropriate.If everything is truly separated at arms length, then you could make an argument to the insurance company that a third party project manager is needed.

The only problem is no one knows when.Best to make sure you can live with your current rate, and you can live with a higher rate of you are on a ARM.

So I would tell the agent very explicitly what you will and will not expect.

When interviewing, explicitly ask what training they provide, clarity of commission split, associated monthly fees, lead generation resources, etc.

Preferably with ARM options.

Owe $250k with 4 years left on a 7 year ARM at 4.25%.