Dont go to the regular retail realtor who only deals with FHA or conventional mortgages like 80%+ of the people.

After a few months you figure out that your team has not really engaged your property on a regular basis.

With 100 properties owned, with a regular property management you're still looking at at least 5 hours a week to manage them if you have good systems in place. 

We would regularly get emails with requests from new Kiavi staff or partners we had not previously been introduced to.

Our mortgage brokerage works with real estate investors all across the country who face these same decisions regularly.

They claim it is a triplex (two regular units and an "efficiency unit".

In other words, I already have a checking and savings with BoA, but I would create a 2nd savings account (within my regular account) and put all the rental properties last months and security into that account (combined).Is this the correct way to prevent co-mingling of funds, or what would you recommend?

Keep in mind that tenant screening, regular property maintenance, and understanding the inspection requirements for Section 8 are crucial for success.

Trying to read between the lines it sounds like you have a regular owner occupied homeowners policy in place on a rental property. 

The ceiling can be durock or greenboard, never regular drywall.