I have done a lot of research in preparation for my first real estate purchase but I haven’t heard any mention of banking services that stand out.

As mentioned before, you can get away with paying for the draw money, but not using it. 

We thoroughly regretted it well into the morning hours.Bad news: Most good tax accountants also have lines and a long wait, and for the same reason. 

The lessons you learned the hard way in 2008 will be invaluable now, and it’s great that you’re aiming to stay small-scale and within your comfort zone of Sacramento, which gives you an advantage of knowledge in that market.Given your experience, I'd say start by focusing on three key areas to build confidence and minimize risks:Budget Control: Over-renovating was one of the big mistakes you mentioned.

You can find a bunch of lists that mention top amenities such as hot tub, sauna, etc.

As Pat mentioned you have a lot more flexibility with home 1 because it has no mortgage and is not owner occupied.

Since you mentioned REI Hub, I worked with REI Hub in the past and they had the same connection issues but their CEO is usually good about making quick updates to create a better user experience.That being said, there is no perfect solution out there regarding bank feed connections so I'd go with one you know and ensure the accounts are linked on a weekly basis to be confident every transaction is flowing through without interruptions.

You mentioned there are multiple parcels, is this just a coincidence or historically are similar parcels available? 

Thanks.I did see PassivePockets mentioned here but was not quite sure what it was about. 

.), I'd recommend that the residential units fully cash flow the loan as my experience is that mixed use properties are tougher to finance as most lenders tend to prefer one or the other and something in the middle gets more difficult.For example, and granted I don't know anything about the area/neighborhood, I would expect this property (https://www.realtor.com/realestateandhomes-detail/111-NW-Har...) to be easier to finance than the mixed-use property you mentioned.