I will be able to log the 50% time of business use.

It’s online only but purpose built for business owners and they have automation for those applying the Profit First cash management system.

It was always under the business.

I'm going off the understanding that you still need to spend 500+ hours in the business to achieve material participation (please correct me if I'm wrong). 

In the latter case, I would still use QB to enter info provided by the 3P servicer and to maintain my general ledger for the lending business.

ALL of my major problem tenants happened to have had a average (adults in the household) score below 625. 

I'm really busy with my w2 job working all the time to fund my investments. 

This is the BEST $100 you will ever spend, and if you listen to Amanda Han's tax book, you'll know it's also likely a business expense for you to write off :) https://biggerpockets.supercast.com/My perfect way to learn from the BP books is to listen to the audio book through the subscription above, then books that really stand out to me I go old school and get the physical copy so that I can re-read it, take notes in the margins, and put post it notes so key points are easier for me to re-reference in the future.

I am seeking advice of what to do with the money from someone who exit the business and successfully got similar income and appreciation of capital.

Monthly pre-tax income for household (minimum $5000)7.)