I am being told in a specific instance that copies of leases are not provided to owners because the legal binding agreement is between the property manager and the resident.In this case, I would have zero visibility on the nature of the lease terms, as well as who is responsible for certain costs borne (utilities, etc)If this exclusion to owners is allowed, what is required in terms of document retention in the case of termination of relationship?

As well as most folks are far to paranoid about litigation and liability when they are starting out. owning a SFR rental with proper insurance is about as safe as it gets with regard to liability as long as your not being a slumlord.

I also have experience managing remodels, contractors, subs etc and have even taken some community college trades courses (framing etc) so I have some basic trades knowledge.

We’re on the same page about wanting everything well-documented and on paper to protect both of us and maintain a business relationship.

@Chase LondonI run into one as well.

Second check EZ landlord .com for denial letters or use chat get as well that helped me to follow laws.

I find with time, they always leak, as the joints just don't stay sealed as well.

Does it get sent to the property owner still, as well as, Guardian? 

Hello, I hope you are doing well.

Save yourself a headache and call around as many as you can, and look for lenders that are WELL VERSED in the loan, and have done it many times before.