They didn't pay and left the place a mess, with plenty of belongings like beds, clothes, bikes, etc. 

He said it’s more of an incentive to get his tenants to pay on time.

It may sound nice to pay a 6% management fee but the extra fees can add up to be more than the other company that charges 10% with no additional fees.

When using hard money, your rate is usually higher and you also have to pay some sort of lender fees and points. 

The tenant pays me $175 on the side so I'm still cash flowing a few hundred overall.

That doesn't mean there is no value in buying a boot camp.My underlying question is, what's really the value of me paying? 

@Sean LeonardLotsOf scammers in tax liensFor pennsylvania make sure to understand upset sale vs judicial sale.Don’t want to buy an upset sale thinking getting property only to have to still pay the mortgage lender

In the past 2 years, I have used my extra money to pay off student loans by interest rate. 

Hopefully, if a "friend" asked to borrow money from you, you'd check if he had the disposable income to pay you back.As for your accountant, that's up to you. 

I would tell him that if he does work without permission again you aren't going to pay for it and then follow up with an email so you have it in writing.