Mine set under the below types. 

And then add a sluggish market where they can't raise rents to compensate...... 

I also have set up a couple checking accounts for each property as well.

Bonus points if they could set me up with a LOC!

Instead, he seems focused on discouraging me from setting up an LLC due to the fees associated with California.

If you didn't want to be bound by the terms of the loan, which is set forth by the written loan agreement and mortgage documents (and not what your loan officer told you), you shouldnt have agreed to the terms and taken the loan - you shouldve gotten a different loan.

I started by setting aside a percentage of my income every month, treating it like a non-negotiable expense.

Develop a clear set of criteria for onboarding clients and stick to it.

Research local market rates to set competitive rents, and consider offering utilities or furnishings to attract tenants.

Teach an introduction to real estate class with in a high school setting!