She uses QBO and is linked to my online banking and a couple of credit cards.

Try talking to local banks who want to do business with you.

Bank won foreclosure in 10 months so luckily it cashflowed as well as it did. 

Here are five dangerous provisions to watch for in an Operating Agreement:Dangerous Provisions to Watch:Authority to incur debt without investor approvalPower to make loans to other entities/projectsAbility to cross-collateralize with other propertiesPermission to use investor capital for other venturesCommingling of funds across different projectsWhy These Are Potential Ponzi Indicators:• New investor funds could be used to pay existing investors• Project-to-project lending can mask poor performance• Cross-collateralization puts your investment at risk for others' failures• Commingling enables masking of financial problems• Lack of project segregation enables fraudulent schemesProtective Measures to Look For:Strict single-purpose entity requirementsProject-specific bank accountsDebt limitations and investor approval requirementsProhibited related-party lendingClear fund segregation requirementsProfessional Best Practice:Request bank statements showing separate accounts for each project.

Community banks generally have no seasoning requirements.  

You don't make a profit till you have covered your costs or banking. 

ASSET BASED LENDINGNote: Hard money is defined as average loan size under $2M, average loan hold duration under 2 years, and not a bank. 

To me personally as well I found it was more important for what I do to cultivate commerical bankers and those relationships so I could get access to bank rate capital and lots of it !!

In addition, you want a separate bank account for the rental property to separate it from your personal accounts.

they usually say stick it in the bank.. so you can offer them a nice return above bank CDs and on an asset they already know and like etc..