The simple reason is that you cannot even tell debit cards from credit cards without a special software.

I asked to cancel a bed frame and I did not get a  confirmation until I followed up 3 days later.

@Adam Newman you will want to confirm this with the bank but you can’t take a loan out to borrow for part of the down payment so you’ll need to provide all the funds yourself or have a gift from someone for that which you don’t have.If you have a gift from someone to bridge the 20%, that would be ideal.  

Most likely your conclusion is correct, but the only way to confirm it is by having a real estate accountant review your tax situation.Also, please read this introduction if you want to better understand the concept:https://www.biggerpockets.com/forums/51/topics/1075919-five-...

I have ~20 doors in OH that I self manage (there are some awesome softwares out there now for self management) and am looking to start investing in Buffalo too.

One key factor to confirm is whether the STR permit is transferable, as regulations can change.

It gives visual confirmation of the project plan to everyone involved.

HML lenders want to see a clear path to profit, so ensure your ARV and rehab estimates are solid.For next steps, definitely prioritize a detailed inspection to confirm HVAC and interior needs.

If you decide to go the multifamily route, Real Estate lab .com is a multifamily software for deal analysis plus they have many other useful features. 

Whether you need a CPA with just three rentals depends on the complexity of your situation and your comfort level with DIY tax prep.If things are pretty straightforward, you might be fine with tax software for now.