Also as a side note you should be proud of your bargaining skills, if those were indeed done by you, but reading between the lines it seems like you are instead trying to "flex your muscles" rather than presenting your case.

I personally use larger bank for my business ACH accounts just because of the convenient locations and online banking and services.

We set them up on ACH auto banking for their rent, we show them how to log into their portal to place maint requests, we also explain how our eviction process works and what will happen if they do not pay. 

This company doesn't have the doodads (Appfolio/ACH, etc) but they seem to get it done nonetheless.  

Face it- you will have double the risk/reward/head aches when you get another of anything.Having two in the same building eliminates a lot of headaches than having two in different areas.Control is easier.

My husband has a very good job and we have extra money each month (anywhere from a few thousand to $8,000 leftover after all bills) However, we have a previous foreclosure and are in a ch 13 payment plan for another year or two (although we could at this point pay it off) and so obviously banks and other major lenders will not touch us with a 10 ft pole.I found some land in a very desirable suburb, 2.5 acres and is zoned for 5 single family residences per acre.

There are ways to avoid fees. e.g. for bank of america, you just need to schedule an ACH push transfer of $250 each month into your BofA account, and you can withdraw it the next day.Many banks have a minimum cumulative balance across all of your accounts to avoid fees.You just need to make sure they don't do 10 redundant hard credit checks for 10 checking accounts.

There's enough you need to deal with and learn with your first purchase if you can eliminate the head ache of a risky tenant then that's one less thing to worry about.

For example tax liens (the ones I have looked at) you have to fund with ACH which isn't possible directly from the acct.

As a side note, we also had a no cash policy (for those with no bank account for check or ach - there are money orders), that way we had records of payments.