I would simply get away from any large bank and go to a small local community bank that will cherish your deposit relationship..

I put a security deposit down of 10k.

Every month I would layout the "mailbox money" on the dinner table and get things ready to deposit.

Takes rent money directly out of their account which is usually deposited by the 5th of the month directly into my account.

My partner gets mad at me when I stay up in the morning to do real estate stuff whether it’s going to a property to meet a contractor or head to the bank to deposit rent checks.

More standard income variations are: asset depletion (using reserve distributions as the proposed income) or average personal or business bank statement deposits over a 12-24-36 month period. 

Do you see banks being flush with cash on their deposits and balance sheet? 

I didn't dismiss the idea of looking into getting into wholesaling, but you have to deal with earnest money deposits and they are super expensive.

You pose a good question.It looks like the “about $65,000” that’s being transferred to John’s PFS could have been calculated by adding the $8,450 Tenant Security Deposits to the $56,541 Total Owner Equity, for a total of $64,991.

Assuming everything turns out with the check I sign the lease and get the security deposit.