I am confident that the 3 water heaters and 3 HVAC systems I put in place since Summer 2024 will give me some peace of mind in 2025 and beyond... for those properties.

The only random thought that come to my head was I Just thinking about lateral versus vertical scaling.

Apparently this is an issue that other investors have faced as well, because it requires a bank manager to do a minor workaround with a field entry in the system in order to make it work. 

As far as break even cash flow on the rentals, it's the timeless question of cash flow versus equity.

I am a newbie re investor and I was wondering what all experienced investors use to manage their own rentals? To make it specific: What platforms do you use for your listings? How did you create your lease agreement? ...

The only way the system does not work is if you take the refi money and don't het another property that cashflows.   

This isn’t just about bookkeeping—it’s about setting yourself up for sustainable growth.Many investors use a basic system with at least five accounts: one for income, one for operating expenses, one for taxes, one for marketing, and one for reserves.

Cameras, security system, motion lights, cage lock on hvac, etc.They were stolen cause it was vacant and had a for sale sign.   

The tenant used an online maintenance request system to request a handful of maintenance issues for the first 6 to 8 months.

And yes, the entire argument around wholesaling everywhere is that most laws that are being pushed against it (In the states where they are) are because of practicing real estate sales without a license.I am an attorney, but I don't give legal advice on here and never said I was giving legal advice so not sure where you came up with that, but your attitude suggests you will be part of the 99 percent of bad wholesalers who are out of business quicker than an eye blink.You are asking a lot of questions, which is good, but you should be asking them of local wholesalers in your area, in person, so you can see what they do versus what everyone on the Internet tells you.