transfer it to the next property or leave it be and keep renting it out. 

Along with the note and mortgage or deed of trust the borrower signs a warranty deed transferring title to the lender.  

But whatever you do, don’t transfer ownership to you and/or your sister before his death.

The assignment and transfer for a free is getting compensated for the sale of real estate without a license, but people have figured out how to get around it.In short, if you are thinking of getting into wholesaling, you have to ask yourself why.

And then when they pay you do a transfer from that account to your checking account. 

You make the mortgage payments on their behalf.Advantages:Full Ownership: You gain full legal title to the property while keeping the favorable 3.25% interest rate.Control: You have more control over the sale because you hold the deed.Simpler Resale: Since you hold title, you avoid the complications of a land contract when reselling, especially to FHA buyers.Risks:Due-on-Sale Clause: The lender could potentially enforce the due-on-sale clause if they find out you’ve taken title, though this is relatively rare in practice as long as payments are made.Higher Closing Costs: You would need to close formally and cover title, closing, and potentially transfer costs.3.

Main Account - Checking account to set up transfers or draw money from for mortgage, insurance, taxes, etc. and I get a Baselane debit card (physical and virtual)2.

Are your interests assignable or how does a transfer work in general please?   

If you are setting aside funds for capex, taxes, insurance, or other expenses that don't occur monthly, transfer those funds to Savings each month and hold them there until it's time to spend them.

We're never going to fix this supply problem for housing unless we can juice the number of builds getting done to where its back to normal (i.e. pre boom times from 2005 to 2008).The federal government should do the exact same thing to stretch the money.  25k down payment assistance for first time home buyers who buy new construction homes as a no interest loan payable only upon sale or transfer (i.e. if the person dies and someone inherits, that 25k could be called due).