Her pre-tax income just hit $105,000.

Property Manager assigned.Moving out of state, not willing to sell the property right now.In addition to renters insurance and landlord insurance, which direction should I go as far as protecting myself?

I plan to save the rental income for reserves, screen tenants properly, buy in C+ to B class properties. 

Lenders will want to verify your income, debt, and credit whereas on a Hard Money loan, lenders will qualify you based on the deal itself and your experience.  

Bro, if you just add a 4 story addition and rent half of it as an air BNB and the other as a LTR you'll be able to cash flow for surePurchase price: 120kRehab: $500ARV: $7.4M

Yeah, there is a point at which prices rise faster and then beyond incomes and then just not enough people can afford homes. 

The increase in value to have a legal quad has been well worth the additional annual fees.As for the mail, put out four boxes aligned to the units in the leases.

In addition to other problems, Justin Banks from Alpha Property Management LLC failed to transfer three months' worth of rent payments from the tenants to me, the property owner.

This creates two loan payments ($100,000 of equity and $300,000 on the new mortgage).Key NumbersHome Equity Loan Interest Rate: 6%Mortgage Interest Rate: 7%Rental Income: $3,000 per monthExpenses (management, taxes, insurance, maintenance): $800 per monthIncome and ExpensesMonthly Rental Income: $3,000Monthly Expenses: $800Monthly Mortgage Payment: $2,000ExplanationThe investor earns $3,000 in rent each month.They pay $2,000 on the investment property mortgage and $800 on other expenses.This leaves $200 profit each month or $2,400 per year.However, you have to pay $6,000 interest on the equity borrowed.This leaves you with an annual loss of $3,600.This example shows that while the rental property generates positive monthly income, the interest cost of borrowing the initial $100,000 results in an overall annual loss.

Additional comment will be greatly appreciated.