The fact they are complaining online might be an indication the property manager dealt with them properly so be sure to ask the manager for their side of the story.I hope this basic guide helps.

It seems like there's always balance to be had (i.e. choose between quality, service, price). 

Having a tenant ensures that you have some cash coming in upon acquisition (while you may not know if the screening was done properly).

And my credit is terrible due to some bad times where I had lost my job suddenly, so right now I'm in credit rehab mode (or at least not making it worse since I have a new job and things are back on track).Mortgage balance is about 130K.

After looking into that I found that If I refinanced I would add $50000 to my loan balance making it $140000 and also the added interest I paid would have been triple what Im paying now and the deal seemed like a lot better deal for the bank.

Also, often times the flashing is not installed properly and windows/doors are not installed properly. 

Work to pay off the balance of your loan quicker so you can drop PMI sooner. 

As to the comment about the brokers not responding and failing to underwrite the deal properly with specifics about financial health of the property, that’s just laziness and incompetence.

The daily or even weekly ones we go to you have 24 hours to pay the remaining balance so there wouldn't be time for financing.

This is the proper procedure to follow and is designed to protect the landlord in the event that rent does not end up being paid.