Maintenance is minimal but a small (600sq/ft) flat roof will be needed soon.

I would think the benefit to lending to multiple people would be that it minimizes risk in case something goes wrong with one of the flippers.However, if you developed a solid relationship with a borrower and they have proven themselves to you many times in a row, would you put "all your eggs in one basket?"

My situation is limited cash, sizeable retirement accounts (for my age), and wanting to minimize having to touch retirement accounts (ie, backing out Roth contributions, taking a 401(k) loan, etc.).

If the landlord feels or is experiencing a lost of money or business behind it then the landlord needs to come up with a way to circumvent it from happening again in the future.The only way I foresee to avoid or minimize the same problem happening again is by coming up with a different method of screening and interviewing process to make a better "judgemental decision" when choosing who you want deciding the future value of your investment.

@Robert Steele We looked at an ACH solution, but our minimal cost was higher (about $40+ per transaction, if I recall correctly.)

I got my realtor license (currently inactive license), and I have minimal experience with wholesaling/flipping.

The minute used for incoming calls will be minimal.

At the same time it saves me money for the time being.Any other advice on how to take over with minimal money down will be great.This will be a buy and hold.

You might be able to borrow from the 401K at a minimal rate and use that to purchase RE.

PM is a tough business and they need to make a profit so they are constantly trying to minimize their time on your property.Maybe I have had bad luck but I always have found it necessary to keep an eye on the PM.