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?

That makes me wonder if those lenders will lend more on the places vs regular lenders.

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

I spoke to several of the insurance agents we use here in the Disney area and they have all said that policies are regularly being written and by all they hear, will continue to do so. 

I'm renovating a studio apartment with limited space. Any input on the appliances noted above would be appreciated. I didn't list ventless dryers as I haven't read very many good things about them. I used to have one ...

It has since been replaced with a regular shingled roof because of the noise.

There are some vets to the site that also happen to be an agent or PM that are the exception, but it is just an interesting and expected observation.Do what you want, but if you can't go there regularly at first and then periodically after you own it, it's a bad idea.

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

Aloha @Daniel Kam - most of Kakaako has a 180 day rental minimum, so if you haven't checked with your building association, I recommend you verify what the minimum rental period is for your building.If you are allowed to rent for less than 180 days, you will then need to apply for a GET license, and well as TAT/OTAT and pay the appropriate taxes on a regular basis.  

I also am in the industry already so I have a few regular networking groups and events that I attend.