For bookkeeping purposes, I recommend designating a separate bank account exclusive to the house hack activities to keep some sanity.

I also have $100,000 in the bank, and I'm trying to figure out what steps to take next.

When I read the bank would accept 91k I understood that to mean that was the 30 day payoff amount on the mortgage.  

@Vijay Singh SambasivamI would suggest speaking to local banks, and credit unions.

How long does it take to evict someone in this jurisdiction?

I know they have a cap at 10.We have also looked at using local banks in the area but those terms are usually 3 years arms to ten year arms and 20 year loans so it lowers cash flow significantly. 

As I studied earlier, the first thing you should do is marketing, then get a call and do a property analysis to understand if it's profitable for you, then meet with the seller and sign all the necessary papers, then if there is a debt in the bank we do a reinstatement quote, then do a title search to check if there are any hidden debts, if everything is fine we look for an investor or flipper and sign an assignment of contract with him and wait for closing to get our money.

Bankers are generally not aware of hard money loan options, and even if they are, they don't generally refer them when they believe they can approve a loan to you from their bank.

We have always asked for a bank statement, so we can cross-reference payroll deposits.

This was a cost-effective way to meet our requirement of providing just a stove and refrigerator (we don’t include washers or dryers), without breaking the bank further.But here’s the twist: If we were upgrading appliances for a long-term tenant with a stellar payment history, we might invest in brand-new appliances.