I am doing this deal with my father he likes doing things old school so it must be a physical bank.

I also buy what I believe in, which are physical assets and things that solve issues.

Your county building dept will have physical requirements for a separate dwelling unit (such as thermostatic control, accessibility to the breaker box, basement window egress and fire separation.

Though there is a $19k discrepancy, I feel like the HOA has admitted they are responsible for this cost and their insurance adjuster has contacted me to try and help me, since the physical unit was damaged.In the meantime, the City of Santa Monica is forcing me to relocate my tenant, as my unit is inhabitable.

This ended up being a LOT more work for us than we were physically ready for!

It may also be wise to have boots on the ground in either location, so you have someone to stay in touch with that is physically nearer to the actual property. 

There are plenty of Racine investors in our group but our physical meetups typically take place in Milwaukee unless they are POP UP events at other members projects. 

I also physically checked on the progress of the rehab every week.

Some may say too bad, make them learn...but I say give them multiple options to make it easier for you and for them.I work at a community with 350+ residents and many find the online rent payment convenient while many still prefer dropping off a physical check.I was doing the same thing at my 4-family...chasing cash every month but found it to be a huge hassle...I now only accept payment via Cashier's Check, Personal Check, Money Order, etc and it must be left in the rent box (located on the property) by a certain date otherwise a Notice to Quit is being sent to them.Best of luck!

Also, do you care if they are physically in Columbus, rather than just somewhere relatively nearby in Georgia?