For what it's worth, I have loans in my portfolio I completely charged off in 2011-2014. in 2018, I'm sending intent to foreclose notices because values have come back.

the zero % is just massive credit card debt... caution on that one.great time to borrow HM  rates are at all time lows for very qualified borrowers.

I recommend you do go out and talk to at least three brokerages and ask them what support and training they will provide, commission breakdowns, and what costs are they going to charge (usually a desk fee)?

A company (or investor) that defers maintenance to hold down costs and charges lower property management and thereby offering fewer services, may see a higher ratio than 50% of the rents going to costs. 

They charge 20-30% more than the mainland.But if you "find the right" one (cliche), you can make it work.  

Then allow the tenants to make payments to service your mortgage have them pay you monthly at 5.5 or 6% over 30 years and a balloon in 2, 3, or 5 years.The reason I reccommend this is that because you charge a higher interest rate than your paying you will get the spread and will make up the difference in price.

They charge a little more than if I were to go out and find a team, but for sheer convinces it is worth the little extra to have everything I need right in the building.

These included under sinks, inside electrical boxes, plumbing joints, insulation, roof shingles, broken window seals, the whole nine yards.IF, you trust they’re doing a thourough job and charging $100 or less, MAYBE I would keep using them.

They last longer, look better plus when a tenant damages them I charge the full price replacement cost from their deposit.

I bought my first family home March 2014 for 136,500 I got in some credit card trouble and did refinance-cash out on my home October 2017 so I can catch up on bills.