Yes, you should ask about wind insurance as we do get wind damage occasionally from hurricanes although it is far milder than the coastal areas. 

Currently, this duplex isn't cash-flowing as I bought it as a primary home with less than 25% down.

You will get a better rate and terms, experience, and a faster closing going wholesale than you would going with a retail lender. 

Property managers usually have a placement fee and often a renewal fee too, but it's generally not a full month's rent for renewal.

Ideally, you avoid anything more than 2 chains.

Denise, Its been a couple years since I was paying attention to what was happening in AL. 

So, the first question they usually ask a PMC is about fees - instead of asking about services and HOW those services are executed.EXAMPLE: PMC states they will handle tenant screening – what does that specifically mean?

Typically the "bug killers" would've mentioned German Beatles (VW's lol) to the homeowners.A couple things you may want to look into are too many type NM (slang is Romex) cables in 1 penetration and not supported.

Usually, their worst-case scenario is the loan gets paid back.  

Getting a foreclosure judgement is different than getting one that will withstand a challange and be insureable.