Rather than continue this agonizing trial-by-error approach, I would appreciate if someone would please refer me to the specific bank branch and bank manager that set up your LLC checking account for you so that I can give them a call.  

@Jason Tucker Yes, you can't turn them away because of their sex but I've seen some investors who have multiple rent by the room properties "refer" someone to one unit vs. the other.

According to Tom Cruz hereafter referred to as DB, I wasted 31 years of my life training to become an ortho surgeon but the DB doesn't understand some people enjoy their jobs and are passionate about helping other people. 

A good contractor is critical—get referrals and check references.

Another option if you're looking for something with higher yield than index funds, that's hands off, and will teach you a lot about real estate investing without having to do it yourself could be investing in syndications which is referred to in the book Jonathan recommended.

You might be referring to income / expenses that are reflected by cash.Cash you receive from rentsExpenses that you pay out such as insurance, interest, taxes, etc.You may not have included depreciation expense which would bring your taxable income down further.It may be possible that the negative taxable income would bring your taxable income down.

Quote from @Zach Edelman: Should be a list of Bigger Pockets recommended list of Hard Money Lenders to refer to as well/make the search a bit less overwhelming.  

Also I am referring to a single ADU on a SF zoned lot.  

I can refer you to a real estate agent who works with investors - most who are newer investors.  

Quote from @Adam Bartomeo: @Brandon Croucier That isn't correct... state laws allow you to enter the property within certain time periods, normally 24 hrs, with or without permission.That’s not what I was referring to, I was referring to  evicting them.