Hey @Ana Mills, this ultimately depends on what your current portfolio looks like, your entity structure, and your plans to scale or not.If you have a few STRs and no plans to grow, it's beneficial to have separate bank accounts and credit cards for each property.If you plan to scale to 10+ properties and hold each property within it's own entity, maybe just a checking account per entity and keep some credit cards at the holding company level. 

I ran my own proforma and used an 8% vacancy rate and a 35% operating expense margin, which are the %s that most banks my clients work with use to underwrite their DSCR loans.

I have so far tested out Harvest, Toggle and Clockify they all track time but they do not allow to attach any support to the task.  

Should I check into local smaller banks here or Credit Unions? 

Local bank.

Check if the mounting brackets and rail are firmly attached, as any looseness could worsen over time.

Investing in a fix & flip or BRRRR strategy: I have about $75,000 in my bank account that I could use to acquire and renovate another property, which could help me build more capital.Which option would you recommend for maximizing my investment potential?

I tried to get a HELOC on my rental property, but the bank denied me for a low loan-to-value on the property.

I think if you realistically have enough deal flow of good properties, flipping is a faster way to a huge bank account, since a good flip should be between 30-50% return on investment every 4-6 months, if you are doing it all cash.  

if your doing a senior project I would suspect your best and most cost effective landing solution is going to be a local community bank that loves real estate.. in my experience most will want 50% down on the dirt and a ton of experience and a really strong balance sheet.Myself I always pay cash for the dirt this makes finding a lending partner much easier.