It seems like there's some confusion between the asset protection one would want to achieve by ensuring that personal and business funds are never commingled vs. the BMP of separating deposits to ensure they are available to the tenant when due.

🤣Yes, the first post restriction is there but it doesn't do a whole lot.

Any advice would be helpful as I'm just starting out and am very excited for this whole journey ahead!

i do not however use it for heat mine is an AC only unit I believe not a heat pump unit.If you're whole unit is relying on one mini split for ac and heat that surprises me just given if you shut a bedroom door you'd not have heat from the split that I assume is in the living room. 

If you've made it through that whole thing... thank you! 

If you are trying to buy a $ 1 million home, and they bought it 20 years ago for $250,000, it’s likely they have a whole lot more wiggle room – and less price sensitivity – than someone who paid $1.2 million for it last year.

Our final 2 were appfolio aor rentvine, we went with rentvine because it was 2.50 a unit and that was everything they have to offer, appfolio would give you some for 1.49 a unit then a little more for 3.50 a unit then the whole enchilada for 5.00 a unit.

Another idea that we have been exploring is using the cash value of whole life insurance funds for emergencies. 

So far, I was thinking of having them send me their whole credit karma, send me their last paystubs, and send a landlord to verify renter's history.

And what your prior occupation was/is  do you have monthly retirement pay from a W 2.Or are you self employed your whole life and the only one that is going to help you in retirement is yourself.. ???