If I take $180k (a possible original loan amount) and plug it into a financial calculator for a 30 year fixed and 3.875% rate, it says the P&I payment is $846.If I tell it to pretend the P&I payment is $200 higher, $1046, and ask it to spit out the effective current interest rate, it spits out 5.715%.If I suppose that you've had this house for 3-5 years and don't want to go back to year one of 30, then you can look at a 25 year fixed.

Click the link and select from the map.http://nationalreia.org/find-a-reia/

What kind of effect would this have on rental prices for detached homes in the area?

While blunt it was effective and I used it to guide my own investing over the years.

Prior to having potential tenants fill up an application form, I get them to read and acknowledge a copy of my "Tenant Selection Criteria" which specifies all these, so they cannot claim ignorance if I ask for such payments when they are selected.

Refund the application fees of those whose applications you did not select and process.

With the right manager, they can select the best tenant available in this space and take care of them so that they will stay.  

It looks like you are seeing the effects of the whole no down payment stuff.

I know how to install the cameras and set up the network so it's cost effective for me.Any thoughts?

I feel your pain, some helpful hints are rinsing with cold water first to close the pores before more fiberglass gets into your skin, then soaking effected area in warm water and epson salt.