Go with another insurance company? 

I talked to the company holding the ira and I don't have to pay the 10% penalty.   

Please feel free to also send referrals for other property management companies in the area with a solid track record of filling these kind of units.

Begin by seeking legal counsel to understand default partnership rules and facilitate negotiations.

Call with the pitch that you're local, started this business due to your mom's health, and that you'll outperform and out-service a multinational company that is likely taking your calls/messages in a Vietnam call center. 

:-) Outside the US I use the Corelogic calculator because our local insurance companies provide a no-frill version for free. 

If you don't trust your management company, do them and you and favor and manage it yourself. 

More information on your specific circumstance will help those knowledgable give you the best advice.I'm not an expert in the legal nuances of rent stabilization however as an NYC appraiser I have to tell you that rent stabilized tenants are a huge hindrance on the value of the property.

You get to learn and sometimes make mistakes with limited exposure. there’s great companies out there who’ll have your back as an employee every step of the way through the tough situations.

Just doing some groundwork as to what areas I should look at to buy and what are the different property management companies that I should look at.