It also is Tax free and cannot be closed or reduced once its in your account.

And you reduced their rent?

A $200,000 duplex might have identical rents in municipality “A” and municipality “B” but the property tax rates will vary, local regulations will dictate licensing requirements, labor rates will vary & the particular location will dictate insurance premiums since insurance carriers will weigh local replacement costs and whether the municipality is viewed as being a “plaintiff friendly” in arriving at insurance premiums.Better situated assets will attract better tenants/higher rents & reduced management expenses Tenants who reside in better situated housing and pay higher rents are more financially responsible meaning lower rate of rent loss and will generally take better care of the property.

we do a brief pre-application online before offering to physically show any apartments. 

I have suspended Passive Activity loss that would reduce the gain, but not eliminate the gain from tax POV.

@Greg Soon I work in QuickBooks online with only Real Estate Investors. :) 

Check online reviews and test their responsiveness.

I have another feature for the future at a reduced cost to install.

Just remember to factor in that you will now have fixed monthly payments on the original three which will reduce your cash flow.

Banks often have higher fees and less favorable rates, while online services like Wise offer more competitive options.As @Ryan Konen mentioned, other alternatives include Revolut for multi-currency transfers and OFX for large transfers without limits.