In the long run, Roth-style retirement accounts beat the Traditional retirement accounts.

Do people take those credentials home with them and continue using your account. 

One consideration as you are working on locating private lenders, is that IRA, 401(k), and other retirement accounts can be used in many cases to make private money loans.

Like Jake Baker suggested, keep good records and have a dedicated bank account for your property, properly separating personal and business expenses.

But that honestly looks like it is all set up to try and be a banking solution (ie, get as many users keeping money in BaseLane's bank accounts so they can make that sweet sweet float on the interest.

And there're restrictions on how you can use these accounts.

If you are on cash accounting, yes you could do that.On the other hand, you are ignoring carry-forward losses. 

I have some money in my savings account but not a lot.

The other hurdle many run into is that you need to have funds to close and cover reserves in a US based bank account.  

I currently use rentredi and am disappointed in it, I want to switch to STRESSA but find they collect rents into their bank account.Has anyone used RENTREDI accounting software, they want $100.00 per month which i find exesssive.