The one pro I see is it’s pretty hand off and can still make a profit.

I’m presuming profiting as well.

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They do offer linked accounts, so maybe I'll go with a 3rd party bank that I can trust.I appreciate this concern, as we’re also looking to move to a bank that allows for multiple account to use David Richter’s Profit First method.

It’s worked well for us and keeps everything organized!

With such low rental yields, the return on investment (ROI) and cash-on-cash (CoC) return are negative when factoring in mortgage payments only, not including any other factors.In this market, it seems almost impossible to make a profit using traditional rental property investing strategies.

(this will help you keep your money)Profit First, by Michal Michalowitz (this will help you organize your money)The Millionaire Real Estate Investor by Gary Keller.

You often only have to worry about tax upon the profitable sale of an asset. 

I have kept track of all my expenses in an excel sheet/word document but feel like there may be a more organized and efficient method to tracking?

Profits do not justify their effort even with the ADU addition in this case typically not being hands off .Here is a list of things that make ADU additions a less than optimal RE investment but the value added and starting with tens of thousands negative is a big one that needs to be well understood. 1) The value added by the ADU addition is often significantly less than the cost of adding the ADU.