The objective is to keep as much of your operating capital intact as possible.The goal is to buy, fix, finance, and avoid leaving cash in the deal, so you always have liquidity for future projects.

How you finance the buy is a separate thing.

As far as checking your accountant's technical competence, you can use this old but still applicable questionnaire:https://www.biggerpockets.com/forums/51/topics/792277-how-to...Other questions that you may want to ask are listed in this post:https://www.biggerpockets.com/forums/51/topics/795929-questi...3.

Applicant shows a DUI class B misdemeanor from 2021 - “driving while intoxicated”.

I’ve done a couple of fix-and-flip projects in the past using a hard money lender (HML), which has its pros and cons.I’m currently looking at a couple more properties and trying to decide if I should go with an HML again or explore other financing options.

@Ryan Mcpherson   100% financing with no MI so I assume a VA mortgage? 

If the separation of funds was for asset protection (in this case there was another reason), it is my belief that an umbrella policy is easier than trying to maintain separation of assets especially when the property has been purchased with individual’s money and financing.  

Which I also would tell you that if you have trouble managing finances and poor credit I strongly advise against real estate as its capital intensive and if you struggle now managing money having more money and real estate only exacerbates that issue.

How did you finance this deal?

However, many DSCR lenders have a minimum loan amount of $100K, which can make it challenging for investors to secure financing for lower-priced properties.