Bookkeeping and House Hacking: to commingle funds or not?

[Kenneth Westervelt]

Brief intro: bought a house last year, have been renting out 2 spare bedrooms. I'm thinking about setting up a separate business account to deal specifically with all house related expenses (mortgage, taxes, utilities, saving for CapEx). The major downside of this is that it will likely negatively affect my DTI (without rental income = high 40s, with rental income = mid 30s). I decided to wait until I could file income taxes this year before considering which direction to take.

So I'm looking for y'alls input - who has set up a business account for their house hacking, and who hasn't?  How do you think it's affected your available credit and your future investment planning?  Any more information you'd need to know before you would feel comfortable offering advice?