Expect to pay about $5k or so in lender fees plus your title fees, prepaids and escrows.

If you don't have a two-year work history, then you'd need to use your schooling and any internships that you might have had to fill a two year period in a way that would be acceptable for a lender.Regarding closing costs in Florida, there generally 5 distinct types of closing costs:1) Taxes (transfer taxes imposed by state, and taxes to record information)2) Insurance (1 year prepaid upfront, plus 3 months of escrows)3) Inspections (Survey, Appraisal ect.)4) Title Costs (Florida generally uses Title companies to close, and they handle all paperwork to transfer title and insure your TItle)5) Origination Fees (only charged by certain lenders to increase profit)Frankly, 6% is extremely high for closing costs in the state of Florida. 3% is a good rule of thumb when calculating closing costs on most conventional loans.

The payment was never debited from my account like I was told it was supposed to.

Do I still have debit I am paying off systematically?

Do you call it "prepaid rent"? 

I guess he just wanted to say Hi, take out my debit card, allow him to take the money and wanted me to shut up?

I just discovered this, looks like its free for landlords to use, ACH check payments don't cost the tenant anything, credit and debit transactions do.  

I would like a checking account for regular debits/credits and a savings account, to hold security deposits.2. 3 units have monthly revenue (and security deposit amount) of $5500, for an idea of account minimums.3.

You still get all the regular things that come with a checking account: debit card, checkbook, ATM withdrawals, etc.I figured it would be a quick and easy way to set up a business account and avoid fees but I just want to get some feedback in case I'm missing something.Are there any advantages in going with big-name banks (most of which do charge fees) that I would miss out on if I were to go with an online-only bank?

It gives the tenant options where ACH is free, Debit is $10, and they can use a cc for whatever their % is, all fees are paid by the tenant.