This allows you to "move up" in the quality of life of your housing in the eyes of the lender.

@Anthony Thomas - a little late to the party but I've been impressed by Jim Barringer's quality of work (Jim Barringer Roofing) and relative pricing.

That being said, I would prefer to setup payment plans than to pay for turnover costs and vacancy plus there is the risk of the tenant quality of a new tenant when I know I already have a good tenant who fell on hard times.As for the future - all speculation here.

A balance of business and compassion up front is going to be very individual based on your situation and quality of tenants.  

The only thing I’ m worried about in Bridgeport is the quality of the tenants and the turnover.

Find a quality tenant and follow protocol 

Spending quality time with my girlfriend, cooking meals from scratch, watching a ton of movies.

Heck, the insurance company is doing a "phone inspection" instead of visual inspection (this should be interesting).Does anyone have a boilerplate message we could use to send out to all the tenants through e-mail and USPS mail?

So it either drives up your vacancy rate, or drives down your prices unless your units are clearly of superior quality to theirs. 

How to Find a PM – Six Qualities You Should Look For:1.