There are DSCR programs that will allow the use of a higher existing lease so long as you can show receipt of the rents for the last 3 months as well as a copy of the original deposit.

One person uses it for long term rentals, no pet's, requires super high credit, 3 months deposit etc etc..

Get that interest income plus have them tie your deposit up and have them knock a percentage point off your loan.  

Depending on your state you may need a separate bank account for your tenant's security deposit.

However, by emphasizing their security deposit and concerns about repairs every tenant we've approached using this system has signed our lease.Someone from maintenance stops by to introduce themselves, give a business card and ask if there are any repairs that need to be addressed in their unit.

How much do you deposit into one bank account past 18 months = income - 15%

Deposit and replacing carpet every turn over is a bad deal. 

Hello, I have a vacation rental property management business and I have a question regarding deposits into a bank account.

I would get 0% offers for balance transfers where the bank would allow me to access up to the card limit in cash and direct deposit into my checking account within 2 - 4 days (for 3% fee).

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