Our cleaner sends invoices at the end of the month for all of the month's cleans, and we pay them via ACH (used to do Zelle until we got big enough that we started getting hit by Zelle transaction limits).This works great for the properties we own.  

I file jointly with my wife (both have W-2's) and I have one rental property that is under my name.

Most HELOC"s ive found calculate interest on the average daily balance where the balance used to calculate interest was averaged over /30 or /31 days then multipled by rate/12 so this is not a true daily calculation.The other issue I've come up with is that we need a quick way to get the fudns to pay down the line and ACH transfers take 3-5 days sometimes so having an autosweep account that engages auto sweep daily really helps plus we dont have to do the manual transfer (micro manage your line pay downs).

I am joint owner with my mom on the deed of a rental property. 

No ACH, no credit card.

So that's why I'm trying to organize a joint lawsuit with everyone who has had a similar experience with them.

If you have a deal and you're willing to contribute some time & sweat equity, you can consider joint partnerships &/or equity partnerships.

Long term buy and holds are typically more suited as a principal investment strategy and perhaps a Joint Venture. 

I utilized it for 3 househacks and 3 joint venture amounting to 20+ units.

The SMLLC was treated as a disregarded entity for tax purposes (married filing jointly).