I understand that I need to account for taxes, insurance, and other costs—Should I go with a LML and then do a refi later on?  

There are several other issues (undisclosed maintenance markup fees, excessive charges to our account, significant reductions to agreed rent without communication, etc).

I operate 14 properties from the same checking account.

I’ve got her dealing with 8 properties which have individual accounts.

If you can't find a property that cash flows with real underwriting numbers, 8-10% vacancy, 8-10% property managment (whether you do it yourself or hire someone, you still need to account for that time/expense) then don't buy it.  

That’s like depositing $300 into a savings account every month.Plus, it’s an investment property, so you can depreciate it to save on taxes.More Than $1,500This isn’t just about making $1,500 in rent—it’s about building long-term wealth.

Where I am running into an issue is there is a delinquent account on my credit history.

Most likely your conclusion is correct, but the only way to confirm it is by having a real estate accountant review your tax situation.Also, please read this introduction if you want to better understand the concept:https://www.biggerpockets.com/forums/51/topics/1075919-five-...

Account ClosedAdding your property manager as "additional insured" is standard practice and beneficial for you.

That way they are accountable for their energy consumption not you.