You can easily do this on a spreadsheet, and it will take less time to track than finding and learning new software.

Focus on running a clean operation rather than perfect technical compliance.Pro Tip: Your biggest risk isn't the IRS - it's partners who might complain to the IRS.

If for no other reason than you can. 

@Ryan Vienneau I'm a Buildium customer too, and it blows my mind they don't have credit card tracking in 2017.

You can work with a local credit union that does HELOCs, Home Equity Lines of Credit or Loans, on investment property.

They’re easy to install and, while not perfect, they’ll make a noticeable difference.

For context I am a full time lender and understand DTI and have very good credit. 

For investors looking to maximize returns while managing risk, here’s why this type of deal stands out compared to Treasuries.Treasuries: Safety with Limited UpsideTreasuries are an attractive option for those seeking safety, especially short-term bonds with maturities of one year or less.

It's the concept of buying the debt attached to the mortgage rather than buying the house. 

Quote from @Vince Scipione: Standard would be an FHA loan for your situation more than likely.