Points, or any fee charged that are required to obtain a loan is pre-paid interest, that will be computed into any usury rate. 

Hi Venkat,The Asset Management fee is not prepaid.

We want to use the rent proceeds from the house in PA to off set our debit to income ratio while purchasing a new home in Florida.

My wife and I had over 125k in student loans when we starting worked, no credit card debit.

We had a debit card pay $10 to me and, by the time the money reached me in my PayPal account (which was almost immediately), nearly 6% was charged, so I only received $9.41. 

For example, if you were to have a credit card and use it for everyday expenses such as groceries, gas, etc... you could use it essentially the same as cash or debit card, buy your necessities, set the money aside and pay it off.  

I don't really understand if the escrow account balance should be a credit or debit.

I have my sdira set up that way, as a company owned by my SDIRA then I just use that company's business debit card to pay for servicing and 3rd party services like BPOs, and O&E reports which can all be ordered online. 

My property management company makes a steady debit from my tenants bank accounts and wires it into my LLC bank account.

But for now you're stuck with the existing lease.Security deposit should have shown up on the HUD-1 as a debit for the seller and a credit for the buyer.Yes, landlord insurance is quite a bit more expensive than homeowners.