I would highly recommend using one of the Providers on here (I use @Dmitriy Fomichenko and have been very happy with his services) , they are not directly allowed to promote themselves on here, but just look at the signature lines and you can tell who they are. 

How many water meters and branch off services are you doing?

I'm sure the debt you'd have to service on this loan would be less expensive than a hard money loan, also this option keeps your cash reserves higher thus your risk exposure down - as you would only have to make monthly payments and come out of pocket for the renovations.Just make sure to do the necessary renovations to get the dollar value you are seeking on the sale and I'm sure this opportunity could be the one to get the confidence under your belt to continue investing down the road!

If they don't offer PM services...you cannot do so either.

I ran the numbers on my own and I got wildly different calculations.4 units are 2bd/1bth and rent for $5501 unit is 3 bd/2bth and rents for $675Total rents of $2875Owner pays some utilities at a cost of $8,800/ yearHere's what I got running it with the BP Rental Calculator (as self-managed):-Purchase price of $250,000 (I did estimate of $300k ARV price)-25% down: $62,500-Amount financed: $187,500-4.5% interest: P&I of $1,042.19-Capex: 7%: $201.25/mo-Maintenance/repairs: 7%: $201.25/mo-Vacancy 5%: $143.75/mo-Property taxes: $191.67/mo-Utilities: about $733.33 mo-Insurance: $220/moNOI of $14,209Income $2,875.00 - total monthly expenses (including debt service) $2,733.10 = $141.90/mo cash flow and 2.64% COC with a purchase cap rate of 5.68%.I told her I must be missing something, and she asked if I “had the NOI at $21,662?”

I think his attitude towards the errors will speak volumes as to whether or not you should continue with his services. 

When I think of surcharge, I think of a charge on top of a charge, for example if there was a maintenance call to an apartment that amounted to $100 for a furnace service call that a PM uses, then bills the owner of the property $115 (15% surcharge)...is this what you are asking about? 

I've seen  a couple articles online about people who have used Quicken Loans "rocket mortgage" and  suggest it is  very good for rates, customer service and being user friendly .Have you used Quicken Loans?

another reason to move to a service like cozy.co for rent collection; both sides can see/print/etc rental payment historyOtherwise, like others noted, it should take under 3 minutes to type/sign/send via email a receipt. 

It would likely be a hassle scanning all of your receipts and records to an online service, if you can find one.