Even at 30% discount, the QBO Plus subscription most Real Estate investors have to have is still $63+Tax.You may look at Xero, I heard they have the Class feature but it is cheaper, it's just not as commonly used as QuickBooks.

But the biggest issue is not being signed into both this account and my own at the same time.

It also allows the manager to work directly with the insurance company to resolve issues efficiently.In Texas, this is part of the standard Texas Board of Realtors Property Management Agreement and is considered an industry best practice.

Having the tenant be responsible for something like the first $1000 of each maintenance issue, or $500 can be a big help.

What is as important is that you require the insurance to be issued with you as the landlord as "additionally insured." 

But in terms of the upfront fee, this is actually common in a commercial loan.

.- Build Relationships with Vendors: Getting quotes from local contractors or vendors for common maintenance or repair tasks can give you a clearer picture of recurring costs.

Current status is that the Dept of Health has not yet issued the Septic Permit yet.

Do you think this issue is specific to banking services or what do you think is the root cause?

If you research recent sales you can always provide the appraiser a list of those sales.One of the best ways to insure a higher value is to update the property using materials and fixtures that are popular and common in the area.