Creating written documentation on how to recreate this process (training manual).Side Note: This individual is familiar with clerical and accounting software type of work, but not necessarily property management. 

So you go from a conservative account and expand into a more aggressive account once you know exactly what is working for you.

Account Closed Hi,  I work with wholesalers 

Here's more information for things to consider-https://www.biggerpockets.com/renewsblog/2013/08/1...As for taxes, I wouldn't take any answer as gold until it comes from an accountant/CPA who does a lot with real estate (so they are up on all the laws and new rules coming out, etc.).

If not, a lot of lenders are going to require that $150k to sit & season in your account for a few months.

Closing costs for a refinance are always the same: origination charge if the bank has one, title, appraisal if one is required (usually paid out of pocket by borrower), any points for the rate if it's below par, pre-paids such as taxes and insurance for your escrow account.

We have started a joint account but probably only have enough for 5% down with these prices.

Originally posted by Account Closed:I'm reading a book ("This Time Is Different") about past bubbles, and found the below paragraph really interesting.

I took the money that I used to spend on dinner out, movies, and other frivolous nonsense and put it into a savings account instead.

This doesn't account for cash flow, appreciation or tax benefits.Real Estate is a great & proven investment vehicle.