Finally, when tenants had gas company out to turn on service, they couldn’t do so, as there was a leak.

I guarantee you that the next servicer/lender is not going to honor a verbal commitment from a loan originator at a previous institution.

I think I annoyed my realtor on occasion as I have gotten used to self service through an attorney. 

I know it is tempting to assume that since i got citied my PM isn't taking care of the property but I use a 3rd party service to check my properties  randomly. 

Hello I live on Oahu as a service member and would like to follow somebody’s footsteps/work with to learn how to invest and rent a property.

Residential rental property has a class life of 27.5 years, but depreciation does not start until the property is placed in service.   

We asked for an old electric panel to be replaced & service on the furnaces and they conceded that to us.Supposedly the seller got another offer above our price & without any contingencies after accepting ours.

This is how the lenders I've worked with calculate your Debt to Service Ratio (DSR) or Debt to Income (DTI). 

I am not sure how well it will be received if I tell them that I don't really intend to use their service (since I am thinking of managing them myself for now), but just looking for some information.

This wouldn't work in Allentown, but anything more than a few miles north of Rt. 22 would qualify. https://www.rd.usda.gov/programs-services/all-prog...I would be careful not to over-leverage yourself at this stage in the game.