It would normally read:2. not caused by...I don't know your legal system very well but I believe the PM can still be held liable, regardless of what you've agreed to in the contract.

Either way, there should be good opportunities when things settle out to a new normal.

Normally I see them go to see their business and dreams die there.   

So if your adding a bunch of BS fees to a normal priced place you then are over priced compared to the competition that may or may not be self managed.

Is it normal for a partnership to form between a house-flipper (someone who finds deals, buys property, restores the property, and sells) and an investor (brings in the needed capital to buy property)?

I think what you're experiencing is totally normal for someone who knows what they're looking for.

Damage to a quartz counter (same for stone counters) is not normal wear and tear.Good luck 

Force placed insurance is also about 3-4 times the normal amount. 

We recently moved so we would normally pay the electrical for those items.

I also own other properties so they are saying this is normal once you are reaching loan capacity.