Call them out on it.One bit of advice to anyone when shopping loans, always get a quote with estimated closing costs.

@John Warren smart man, that's exactly what I told her :)

You are smart to consider closing costs. 

We replaced one old hot tub and the fellow that came and hauled away the old one said he got it back to his shop and it was "full of snakes.""

If it is hyper competitive I would shop around to find the best bang for the buck.Of course the best solution is to manage your property from your phone without a PM.

But if you want to spend some time shopping around for now, then HELOC might work better for you.Credit unions will offer better rates for you. 

Any other smart ways I can do this??

So smart in your real estate investing plan!

Hi Ting,I've had Pest Control companies that layed down a DMZ of sorts outside the buildings.Fire ants, ants, and a lot of other crawlies seem to stay away from the DMZ area--keeping them out of the house.I've had them do it in the pouring rain and on nice days.Maybe they do something like that in your area.If it's a problem, you can scheduled ongoing service for it--where they will come out and re-apply.Or you could pass the info on to the renter--it's less costly then her hiring an attorney (unless she is govt subsidized and gets free attorneys via legal aid).They also do a building inspection inside and out--looking for entry points that need to be "Repaired", but ants get in through the smallest cracks.If you have a slab foundation, they may be under the slab and coming through a crack in it--exterminators can handle that.One or two phone calls will get you a quick price, and being there when it happens to take notes on where the tech says to repair to prevent other insects coming in might be a smart move.I've seen long lines of ants outdoors coming up a metal handrail to an apartment and going into a tiny space at the corner of a window and into the apartment. 

I have a rental property in the middle of two businesses, one beside me is an insurance agency that I have no issues with, the other one is a smoke/vape shop that just opened up.