Different laws and of course everyone has to do their due diligence on what is and isn't allowed.

Everybody's situation is different. 

I'm wondering if I need a different contract in each state that I plan to invest in and use a private money lender to fund a deal.

There are so many different PMS’s to choose from.

The main difference is the time spent underwriting.

Once the money is back in my account I'll send the rent money'-'My car ---- the bed and needs fixed'-'The storage facility I have some stuff in charged my credit card 10X what they should have'-We had an unexpected bill'-'My credit card/debit card/bank account got hacked' (this one has happened multiple times to different tenants)-'I got another job that pays better'

Their cost structure is also very widely different from one another. 

As for the electric heating bill baseboard electric is expensive and I know RI energy jacked their rates so you can't be much different.

I went so far as to discuss options with different providers in the NYC area.

There is a story circulating about a group of criminals stealing in NY then going to different states (including FL) to spend the $ they're stealing up here.