With that, yes it is a normal standard PM pricing structure to have a lease renewal fee, as the PM is doing an updated lease, negotiating rent increase, reviewing historical performance and advising on adjustments forward from that, and getting all doc's completed, it requires labor hours and therefore requires compensation.

Inherited property that was not bank financeable because roof leaks caused damage to the ceilings.

I am in san deigo county Northern Cal but maybe i'm missing something...1st lien, full doc, Owner occupied, regular old HELOC? 

Unless there is a leak, and there has been several, I am averaging $50 per door per month for water and sewer. 

It had some water damage near the chimney flashing on the inside and outside, a water leak somewhere in the roof that was repaired cheaply, and old aluminum windows that are in need of replacement (home was built in 1965). 

It is unlikely a pipe leakage since it does not leak all the time only leak at certain period of time and water was leaking a lot.

Apparently the condo complex is more than 50% investor-owned, and Fannie will require the higher down payment.I feel the lender is at fault because the condo docs were not requested when we got under contract initially, on 5/30.

You haven't inspected the foundation, what if there are a ton of leaks throughout the house, mold, what condition the HVAC is in etc etc.

My concern is if a problem was reported, like a leak in the apartment and I needed to get in there quick...Can I put in the pet addendum that dogs have to be in a crate when they are not home?

Save up 20% for a down payment and do a no-doc loan.