I've found lots of templates online, so I think I'll be ok. 

I wasn't really thrilled being forced to quickbooks online from desktop so I would like a different software for bookkeeping but need to retain my mortgage bank too. 

I hear of refinancing all the time but upon doing some deeper research I learned it costs around 2-5% of the loan amount.

From Facebook Marketplace to Airbnb-style rooms, there are countless ways you can market your rental property online.

The median sale price increased month over month breaking the trend of decreasing median sale price the past two months.The rental market continued to moderate in Q3 2024 thanks in part to the increase in units being built. 1,815 units were completed in the year ending with Q3 2024 with 1,447 expected to be completed in the next four quarters.These new units brought online in the past year increased the overall inventory by 3.4%, however by Q3 2025 we anticipate demand to outpace supply by over 550 units.With this increase in units over the past year we have seen the occupancy rate moderate at 95.8%, down from the high of 98.9% in 2022.

Your first post sounds like a purchase, but this statement "The $20,000 was when I refinanced and did HARP with Wells Fargo twice." makes it sound like a refi.If it was a refi, was this $20K an existing debt of yours that was not caught and paid off on the refi? 

Acquired the property with cash (to compete with all-cash buyers at the time) and then refinanced 2-3 months post-close How did you add value to the deal?

we have participated in the on-line tax auction a few times and believe the process is very broken. 

When looking at my tax return from my CPA, the losses and gains show up on Form 4797 (Part I for the losses and the gain in Part III).I noticed that the loss from Part I was shown on schedule 1 line 4. and helped zero my taxable income in Form 1040 line 15 (I had a negative total income on line 9 and 11).

You should NEVER use an online template as most of those are easy to trample if need be.