It’s not an emotional play, it’s business. 

If using a lender this is a non issue.

If needed, consider mediation to solve the issue.

The main issue here is the insurance problem

Ask them when they issue distributions (anything before the 15th of the month is a red flag), do they require reserves, how is maintenance charged, do you see copies of outside contractor bills, do they upcharge materials (PM's have LAR accounts with Lowes and often get 20% off), do they keep all late fees or just the management fee, what other fees do they charge (renewals, inspections, etc), where are tenant security deposits held, how are evictions handled and are you consulted before filing, what screenings do they run, what qualifications do they require from tenants, ask for a couple other owners to visit with for a reference. 

@Justin CollierNever had issues like this

if you're only borrowing it for 2 weeks in ONE calendar year, i don't see why it would be an issue?

With the Midwest there are also winter issues and hail damage from thunderstorms that we don't deal with in California.

I just evicted my first tenant last year and had to go through this emotional rollercoaster of not pursuing the money because I knew she simply didn't have it.

What's the issue with taking losses on a Single Family Home?