(we charge the same Processing Fee as depositing to our bank)4) Pay online using their tenant portal (we absorb the small fee, to encourage this behavior as the internal resources saved more than cover that fee)We understand we have scales of efficiency a DIY landlord won't.

How many people every year pour out there life savings to come for a vacation, just from TX, not even mentioning the US or rest of world. 

As you purchase more, your net worth will go up more quickly than the savings in interest with the other option.

Do I wait another year to save more, or do I look into a HELOC or a VA cash-out refinance? 

Some folks might decide the savings associated with the below market rent is worth not drinking Quote from @Jaheen Ahsan: Hello,So I bought my first house hack back in July, and I've been trying to find roommates for about 6 months or so and haven't quite had any luck.

A good real estate accountant can save you thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend finding an accountant who specializes in real estate taxation, business taxation, financial planning and tax planning.You may want to consider working with your accountant remotely to expand your options.I would also recommend looking for a accountant willing to work with you throughout the year.

Or, save time and money and just start buying single family homes.

Cost to wait is maybe save couple grand on zoning attorney but could potentially make that up by earning some rent earlier (vs. unused space). 

But it would give you time to save up for the 20% on a refinance in 2 years or give you the ability to use any equity gained to refinance in 2 years.

So far, I’ve worked on automating things like tracking expenses, sending out emails, and setting reminders for important deadlines.I’m wondering if anyone has any other suggestions for tasks I should look into automating to save time and streamline my workflow?