Also, just because you will be renting to S8 tenant does not reduce risk.....yes the tenant may be on a voucher and it will cover 70% at the least of the rent but the tenant quality will be low.

Wow, take a breath, based on what you wrote here you've earned it. 

Im not a tax expert but it seems like this would be an important distinction as the fundamental structure of the financing is different and dictates who is earning interest income.

The fact that the buyer agent commission is visible and being discussed by the buyer and buyer agent is a big step forward, so that buyers know how much the buyer agent is earning. 

Assume you have cash currently earning 4.6% in high yield savings.

Do you want to earn x thousand a month?

I really like that Stessa and Baselane offer high earning interest accounts and physical debit cards and sounds like Stessa offers checks.

I would say your first year is just for drinking from the fire hose, even if it means taking a larger split and not earning as much commission.

It’s hit and miss, really need to deeply understand what they offer, if they will work for you or against you, whether they sign the lease or you (I prefer me, to reduce that lock jn). 

$77,000 earnings on a $190,000 investment is unheard of in real estate, but quite normal for a well running business.New RE investors are always after cash flow and CoC return.