When other banks make is easy/seamless to open virtual accounts, create virtual debit cards, and pay a reasonable interest rate on deposits, I will consider them.

You can use one of the many third party payment providers or have your banker at BofA give you access to ACH debit and you can draft their accounts yourself.

Otherwise, you will be carrying 10-20 debit cards someday.

The majority of taxpayers are required to settle their tax dues by April 18 to avoid penalties and interest accruing on any outstanding amounts after this date.For those residing in Maine and Massachusetts, the deadline is extended to April 19 due to the Patriots' Day holiday in these states.How to Request an ExtensionIf you find yourself in need of an extension, the IRS provides convenient options to make the process smoother:File Form 4868:Utilize your tax professional, tax software, or the IRS Free File platform on IRS.gov to submit Form 4868.Individual taxpayers, regardless of income, can leverage Free File for an automatic extension request.Electronic Payment Method:Make an electronic payment using Direct Pay, Electronic Federal Tax Payment System, or debit/credit card or digital wallet.When selecting the payment type, indicate it's for an extension.

IMHO from a before (no accounting based system, just collect rent with good reports) to an accounting based system (monthly rent is a charge in a debit / payment oriented system) I just hate the accounting based way of running a few rentals. 

Here is my interpretation: You cannot deduct the full amount in one year. 75% of the points (other 3 units) if you use unit count = $9168 divided by 30 years your annual deduction is $305.60    Points are prepaid interest -treated as interest on Schedule E.

Current rate is 3.My normal closing cost (excluding prepaids on insurance & property tax) for a conventional 30yr mortgage for similar SFR has been $3800 - $4100 range.

a way that is used a lot is off the credit card, we get a business credit card most you can get with a apr of 0% up to 12 to 18 months  use the card to put down on the property .When the lender pulls your report they want see it business does not report on the personal side.after you close start paying the card back off .Rince and repeat the good thing is you can have multiple llc is how we do great for multiple units.Make sure the deal can serve the debit that why I say multi unit the 12 to 18 apr time frame comes up fast.

Account Closed Property taxes paid to the taxing authority are deductible in the year paid, so prepaid 2018 property taxes would be deductible in 2017. 

run out and get a pre-paid credit card and/or a "normal" check card ASAP.