1st deal (Duplex) for this new investor (advise requested)

[Brad Pierce]

Please advise me as to what my next steps should be? 

I am buying a duplex, I negotiated the price of a new roof in my deal. Also, both A/C units were replaced in 2017.

1 unit is occupied & under lease contract through the end of 2017, the other unit is empty.

I have viewed the empty unit & it was in good shape, just needs a little paint touched up. I will view the interior of the leased unit when we perform the inspection.

I am planning to replace the carpet in the empty unit with tile throughout as my 1st attempt to tenant proof the unit.

I have my financing in place as a 30 yr fixed loan requiring either 20% or 25% down (Non owner occupied). The Mtg company said I would not be able to do a deed transfer into an LLC. I have my Ins quote with business liability coverage of 300k per occurrence & 600k annual business liability coverage. Is that good enough or should I open an LLC & try to do the deed transfer & run the risk of the MTG being called to be paid in full?

I am going to self manage & I have a couple other quick questions :

I would like to set up for my tenants to only be able to pay their rent online, which website do you recommend for easy of use, efficiency for tax reporting & is the best for the cost of use?

Is there somewhere I can get a good template for a solid lease that I can modify without breaking the bank? My brother in law is an Attorney so I can have him review afterwards.

Any & all info is greatly appreciated.

Brad Pierce