Basically you have to funnel money around to use these accounts for anything other than simply savings.They promoted their move from Blue Ridge Bank to Thread as one that would allow for Bill Pay, but it hasn't happened. 

They said it was a lot easier and better to simply create a new LLC to properly match what you are trying to do.  2) So, that is the other route, creating a brand new LLC.The PartnershipThe hardest ship to sail is a partnership, and there is no "fairest way" to do things. 

They simply did not know any better when it came to neighborhoods and how certain segments of our society lives and who pays rent on time every time  and who never pays on time everytime.

It's understandable that you're frustrated and disappointed with the level of service you've received, especially considering the financial impact it has had on you.It sounds like you've made several attempts to reach out to the company, including contacting the VP, but have not received a response.

My thought is to attempt to purchase to flip after his passing).

For the bathroom renovation, if it is simply restored as repairing the bathroom, expense the $11,000 as a repair for 2023 (this will affect your DTI).

What might help you for the next attempt is to read (BP's book written by yours truly--The Hands Off Investor), and network (join a community where investors discuss deals, trade advice and observations--coming soon will be Passive Pockets, an offshoot of BiggerPockets which recently acquired the popular passive investing group Left Field Investors).

So I simply ended up buying it from my wholesaler.

or am I simply just going straight to an attorney and telling them the verbal agreement and having them draft up the necessary documents? 

I, unfortunately, have alot of experience in catastrophic losses and large scale insurance claims.This is my attempt to give back to this community and provide some of my hard earned wisdom in the hopes that it helps you navigate this horrific situation.Get a support network now.