You'll have credits (typically) when you buy, and debits (typically) when you sell.

Our bank has an option that allows us to run credit/debit cards through them.

In NC 2 months rent is the maximum I can take as a security deposit and if he moves out early i would be legally obligated to return the prepaid rent.

Obviously you can back out some of that like pre paid insurance etc and I would want that done.

A little better, but that's a decent chunk of cash to put down on a property and you still have closing costs, prepaids, and any repairs that need to be done sooner rather than later.Of course if you're going to live in the property there are some more favorable conventional financing terms available out there right now and even better portfolio products from local banks requiring low down payments, low interest rates, and no PMI if you qualify.

If you have any tenants that don't have a bank account we have also partnered with NetSpend where they can use the NetSpend prepaid card like a bank account on our system.  

Here's my quick desktop analysis (it is a guestimate):170k Purchase Price * 20% (Down Payment) = 34k + ~4k (3% for estimated closing costs & prepaids)=~$38k total acquisition cost.That leaves 136k (principal balance) @ 5.5% for 30 years with a payment of 772 Principal & Interest, plus ~300 (?)

My bank doesn't charge me for wired funds, doubt the title company's bank charges for wired deposits either (BoA might, LOL), guess the charge is for debiting and crediting accounts.  

The appreciation and profit taken from a sale is like the commission and where most of the money to buy new properties come from.I look at cash flow as a way to keep my employees paid, take my little owner draw, and pay down debit services and expenses.

Don't forget about approx 5% in closing costs and prepaids for tax and insurance.