Your second account is your savings/trust/escrow where you keep deposits/prepaid rent.  

That includes my last coaching renewal - I prepaid a year at $6,000 in February 2021.

It is 12/30/2021 do you have any cool prepaid leasing options?  

Yes your rehab costs, loan interest, closing cost (not the prepaids all go towards increasing your cost basis. 

Closing costs include items like appraisal fees, transfer taxes, lender fees, prepaid taxes and insurance, etc; if you get the seller to pay some or all of these it saves you money up front vs saving you money over the term of your loan. 

Prepaids$772.3001 Homeowner’s Insurance Premium (12 mo.) to$424.0002 Mortgage Insurance Premium ( mo.) to03 Prepaid Interest ($23.22 per day from 9/16/22 to 10/1/22)$348.3004 Property Taxes (0 mo.) to COOK COUNTY TAX COLLECTOR$42.125G.

I recorded some of the closing costs (prepaid interest, appraisal, etc.) as expenses. 

Have yall ever thought that the prospective tenant might be offering this as an incentive, they may think this would secure the lease as it is prepaid for an entire year.  

I told him to buy a prepaid credit card too because I want your azz out of here tomorrow. 

Perhaps you could negotiate for the seller to pay some customary closing costs (appraisal, title, pre-paid taxes, etc.) that should leave you with even more cash toward the downpayment.