DIY took about 2 months and I got out of shape and felt as I wasn’t growing due to not reading/podcasts/studying medicine.

My husband is a busy internal medicine doctor and I work the back office of his practice (payroll, human resources, accounts receivable, etc.)

All of my rents are collected via ACH.

One of the commissions has already been sent via ACH transfer to my account from my broker but hasn't delivered yet.

The same lender sent me their terms and the interest rate now jumped to 7.25%..Start rate 6.625%-.125 ACH payment-.375 5y PPP+.25 cash out+.25 2 units+.375% FOREIGN NATIONAL WITHOUT US CREDIT+.25 interest onlyRate 7.25% 30 yr fix ( interest only for 5 years)Rate 7.125% 5 yr fix interest only for 5 yrs.Is the new quoted interest rate (7.25%) ballpark for a forgein investor for a 70% LTV cash out product? 

I then transfer my funds from my current bank using ACH or whatever online transfer methods they allow.

One of the reasons for the bank statement requirements is so the lender can set up an ACH for payments. 

I find many people go this route but they end of causing a ton of heart ache come tax time and pay a lot in fees and company registrations which setting up this structure could be an overkill

ACH is freeTakes about 5-7 days for the funds to hit your bank accountExcelI use an excel spreadsheet to track my check register.

It: Collects our rent for no additional fees to us (ACH transactions are free, and tenants can opt to pay with credit card for an additional fee they pay).