Yes, we’d have no mortgage payment, which is huge, but the ultimate goal was to create passive income and scale upwards so that I could eventually retire and spend time with my family.

You're spending $400k?

If you were looking to spend $500,000, would you want someone who can only show you options after 6 pm and one weekend day?

If you spend all that money on a DIY buy the best glue you can.

But I'd rather spend $5 on a filter than $25 or more even if they're just almost as good. 

Wait and spend time in the marketYes, this won't make you rich quick, but it will make you wealthy overtime.

If the modem and router are separate devices, spend up and get a high quality wireless router. 

I have no idea why (never had a single fraud issue), but after spending several hours going down the rabbithole of figuring why this happened, we just want a solution.Some of the other banks we are with seem to make it overly complicated to have more than a single account.Any recos?

You could also qualify if you spend more time on the property than anyone else involved, regardless of hitting 100 hours.Ex. managing contractors, handling bookings, setting up the property, or dealing with guest communications, you might meet the material participation requirement without needing to track 100 hours.The key is to document everything.

Spend some time finding an expert!