I know there's a lot of details missing to actually give an accurate answer.

Actually, I think you missed my point.

Separate accounts per property incurs a lot of overhead, such as minimum balances or fees for missing the minimum.I use separate accounts for each tenant's security deposits.

I did try my local banks but will check to see if there are any I missed. 

Many people who own rentals and are already self managing them will set up a pm biz to be able to adopt a Solo 401k.

If there is something I'm missing out on, please let me know. 

Are we missing something?

In 2023 before I invested any funds, each and every time that I spoke with their representatives, I asked as my FIRST question if Norada Capital Management had ever missed any interest or principal payments, and was always told the same thing by their representatives, that Norada had a perfect payment/reimbursement history.

What am I missing here? 

If the expense ratio is 23%, it's missing expenses somewhere.