As long you clearly identify and track the expense per property (and you can do that in Quicken, with properties, categories and subcategories, or in Quickbooks), you’ll not need CCs and accounts per properties.Here are some graphical diagrams to help you on this quest (or confuse you further): - Asset Protection Decision Diagram - to help assess the need for asset protection, and what to implement: https://www.biggerpockets.com/files/user/CosIorg/file/asset-protection-decision-diagram - Asset Protection Onion Diagram - what, when, and at what cost one should implement in terms of asset protection - https://www.biggerpockets.com/files/user/CosIorg/file/asset-protection-onion-diagram-v2 - What is needed for complete asset protection OR the domains that need to be intersected to find asset protection

Some people will be upset, others confused, and some will just plain never get it because of ego and expectations.

if its an investmenet property - there are not many ( if any)  lenders doing regular or DSCR  loans on rental MH homes  Sorry for the confusion.

I am so confused and I would like to start soon but not sure what to do.

But, I am still confused where a refi comes in to play, or doesn't, in your hold scenario.  

Hope that didn't confuse you more than it did help!

I'm really confused.

They (The lender) aren't going to refinance you and have no incentive to work with you, nor any requirement to do so.I think you have other confusion to clear up as well.

I'm really confused.  

I’m sorry this is probably confusing with all my statements with question marks.