I follow obvious inclusions like an auto loan, student loans etc, but what I'm not clear on is whether you'd include the full balance of one's personal credit card that is consistently paid off every month with no interest incurred.If the monthly balance is included regardless, one could presumably optimize this by switching to paying items on a visa debit card or the like (since this would effectively cut the monthly credit card bill down to $0). 

Write an  addendum they both sign and specify what happens with the pre-paids like the security deposit.

The property I owe $1800 on is worth approximately $80K, so I have been looking into doing a cash out refi for a cash injection to help with the purchase of more properties, but I feel that the closing costs are excessive.My question is, is there such a thing as too much to pay in closing cost/prepaids for a refi or is it just the cost of doing business?

@Austin Fruechting  Initially, what I was looking for is something that I could put link to a bank account (obviously the first step is to set up a business checking account), keep track of the debits and credits, and run 10K like statements for me at the end of the year (Balance Sheet, SCF, Income Statement, etc.)  

@Andy Basler unfortunately, unlike a debit or credit card, you can’t increase the limit https://help.venmo.com/hc/en-us/articles/209690048-Bank-Transfer-Limits :(

I have an expense (debit) in, say, account COGS > Bathroom Fixtures for $100 which is then offset by a bank deposit that I indicated should hit COGS for $100 (credit).

You cannot keep their excess prepaid rent and move another tenant in.

This is on top of the $4,672 in closing costs a d $5,861 in "prepaids and initial escrow payments".

We have no origination fees on refis over 100K, but you still have prepaids, title, transfer taxes, and appraisals that will need to be paid.

It's 100% free for the property owner unless you want to pay for additional features such as their "Rental Estimate" property analysis.The tenant is not charged a fee unless they opt to pay rent with a debit or credit card (2.75%).I also use their screening services to accept applications, the applicants can apply and pay for a credit/background all at the same time.