I would imagine that due to the increasing (my opinion) competition among RE agents in JC it may lower the overall fee that's usually charged..

I would reach out to local title companies and attorneys and ask how much they charge for a getting a QCD prepared.  

Some automatically do not approve applicants with multiple collections regardless of what they are for, while other look more specifically at the nature of the collections. 

It may sound nice to pay a 5% management fee but the extra fees can add up to be more than the other company that charges 10% with no add-on fees.

If my market rent was only $1K/month the discounts would be less than for the rents that I charge.  

If she does not have a viable way to pay her rent quickly, which is likely, then let her know that if she moves out by a specific date, that you will let her out of her lease without charging her any penalties for breaking the lease and you will will forgive the past due rent you are owed.

Nobody in my area charges any type of monthly fees just different split packages.

To be clear, I'm not charging anything for this, just making connections :)

But when you start its tough.There are some lenders and other services that after they qualify you will charge you and issue you a POF letter.

Think about going higher around 8%.8% Management - while you can probably find a PM to manage the unit at 8%, keep in mind a lot of PM charge annual fees, lease up fees, lease renewal fees, etc.