I activate them with my email, but tenants have to use their own subscription to the premium streaming services. 

So far I am basing it on customer service.

I never made more than $100k in a year working until my last year of employment, and still managed to retire at 50 with a lifetime pension from a combination of military and public service.

You can do an 80% LTV cash out refinance, but it will depend on the state and if the property can debt service at the higher LTV 

How to calculate DSCR is NOI divided by Annual Debt Service. 

But honestly, you'll want to shop around and compare a few local PMs since fees and services can vary quite a bit.

On here just last week, someone told everyone that all tenants hate their landlords so there was really no need to provide any level of adequate or decent levels of respect or service.

Have you tried reaching out to others who’ve used their services? 

If you prefer to be hands-off with full-service management, then I'd plan on paying around 20% commission as that's pretty common.

Just something basic that is serviceable and lasts.