I don't like the returns but we use regular savings accounts. 

Anything that you can do for free and that is good and accounts for 25+ hours, I say go for it. 

How have they accounted for reserves / contingency when things don't go as planned. 

Anytime... we have one accountant who focuses on our MHP and multifamily clients. 

DM me, and I will send you contacts for attorneys, lenders, and accountants they have previously used.

Here’s a quick breakdown of our financials:Operational expenses (excluding mortgage): $33k (Jan-Dec 2024)Annual mortgage payments: $58kTotal needed to break even: $91k+Income earned this year: $80kClearly, we need to bridge a gap of about $11k just to cover our expenses, and I’m exploring options to increase profitability.

@Mike Terry sounds like a pretty good argument to go after the property, I think your question is more along how to value it, and account for the deferred maintenance. 

I think I went through 3 different people that were over my account because they would quit.

@Anita Z.I recommend finding an accountant who specializes in real estate taxation, tax planning and financial planning.

Quote from @Account Closed: Honestly have no clue, but my guess would be contact a lawyer who specializes in real estate.I am also trying to get a hold of other wholesalers in my area and real estate agents.