The law allows you to put all the deposits in one account.

Eric,, I think why people go for the fund model is the idea that they are spreading their money into multiple notes being held by the company.. while in theory this is great but as you noted you don't really have any security compared to being the beneficiary of the debt instrument IE debt is in your name. 

The renter has given you the money to cover your borrowing costs and pay for the home's upkeep. 

Sure, the two strategies are compatible.

Because the Property Class dictates the Class of the tenant pool that the property will attract.

It's a complete roll of the dice when you switch to the smart meter, so this doesn't surprise me....it could go up or down depending on the actual water uage.  

➡️Find the right investment opportunities.

I don't get the term "DSCR loan"   I mean all loans for 5+ units are based more on the property than the buyer.     

I am in the Tampa Florida area and I would be happy to help you out! 

Although I have a high income my assets are not immense and the insurance is protection against future earnings/STR  I will probably buy a primary home in next 5 years but happy for now where I am.