Some insurance companies may deny a claim if they find out that work was done without any permits that are legally required. 

Tax returns and w2 paystubs?

Here are some details that might be helpfulMortgage - 2920 (2.875% interest rate), Property taxes - 1000 per month approximately, HOA - 450 per month, insurance 150 per monthThe maximum rental that I can get for this property would be around 4000 per month. 

Navigating tax responsibilities can be complex, and one common area of confusion is whether private lenders should send Forms 1099-INT to investors and if investors should receive Forms 1098.

Additionally, her house is cluttered and the floors hadn’t been vacuumed or swept in months, so I  am suspicious about her claims of tripping safety and splinters.Questions:- Are her concerns valid complaints?

Essentially, people could donate money and get tax deductions and then that money could be pooled to buy property, fix it, rent it and pay a manager.I’m assuming it would be similar to a self invested Ira.

If she was actually residing in FL longer than PA for each of the last 6 years she's actually been breaking the law in Pennsylvania by still claiming to be a resident there (why would she do this, since FL tax and homeowner protection laws are better in FL?).

Here are the details at a high level:Purchase price: 174,000Closing costs: 2,000Down payment: 20%Rental income: 1525Monthly expenses: 487 (insurance + tax)Maintenance: 128 (1% of purchase price)10% vacancy: 150Self-managingI am not sure what interest rate to use to get the monthly mortgage amount.

Death and tax's, those are your 2 "guarantees" in life, everything else has a risk factor, a component of "chaos" in it. 

The turnkey investment property claims to be renovated recently but really hard to confirm if they have any foundational problems.