How do you share your accounting from the software to your Accountant? 

deposited in a demand deposit account?  

I have totally given up on Quickbooks though it remains the best accounting software for the non CPA type 

this is where the gray area comes in with accounting.

Do you know if there is a service, monthly or annual fee for opening one of these accounts? 

If you are able to setup a credit card identical to your accounts payable accrual account, it should operate the same.  

I mean myself and any bank would need more details, but if you utilize that large sum as a downpayment and have a small mortgage, wouldn't you easily qualify for the debt to income?

Having the account labelled "trust account" or "escrow account" is important, as is keeping funds separate from your own, as is the account being held at a NC bank.  

These folks also tend to have all of their income and expenses going through a separate bank account so they just need to look in that one account to get everything organized.Self Managed, High Volume, Not Organized at all - this is the type of people that stress out over tax season. 

My employer uses Optum financial, but the investment options are really limited within that account.