I find that it's almost a one stop shop in that I can use it for my business checking and savings accounts, bookkeeping, for rent collection, I can issue virtual credit card, I can create all the financial reports I need to run my real estate business and prepare for tax filing and through their partners I can vet my tenants, develop state-specific leases and more.

It's a free country, you can run your business how you see fit:)That doesn't really work for self-managing property owners or what investors want from the PMCs they hire.So, yes we find solid contractors at Home Depots on Saturday mornings.When's the last time you've been at a Home Depot during that time period?

He and his partner have been in the SoCal business bank world for 40+ years, and entered it at a time when local banking was what businesses did.

Plus I don't want to be in the electrical selling business, that includes no hookups to recharge electric cars.All I want to do is provide housing and collect the rent.

DSCR mortgages are a business purpose lending that does not look at DTI. 

Quote from @Robert B Azimi: A restaurant that’s doing great business feels he shouldn’t pay the rent on time for the last 4 months every month we had to post 3 day notice to pay  rent or quit on his front door for him to deign to pay his rent What legal action we could take to make him understand he is not the landlord we are he must pay his rent on time?

@Justin Brin Yes, you can elect to aggregate your rental properties for Qualified Business Income (QBI) purposes, but once you do, you must continue to aggregate those same properties in future years unless there is a significant change in circumstances (such as disposing of a property).

I do love the senior living wing of a business strategy. 

Seems to me my “permanent note portfolio is basically a passive investment, while my variable note portfolio is somewhere between business and investment.  

Rents, yes 100% I do adjust billing and it is above standard tenancy rates because they are doing it for business revenue.