., thru a mobile notary) and uses systems like docusign to process paperwork online. 

I think they re great in what they do but their communication system is horrible.

Also I would love if the tenants shared the water bill.  

In west coast most home owners filled the pool with dirt as local water district on and off for years to make water fill difficult and expensive.  

They should also have a customer service line where you can talk to one of their employees who has access to a system much better and more accurate than their online version.For CA, OR, AZ, and NV I highly recommend propertradar.com.

So if I get let's say 20 properties, and I'm managing them under some online software system, doing the accounting through quickbooks, should I keep separate bank accounts for each property? 

You might have an old cast iron sewer line to the street and galvanized water line.

See photos below.Fire department kicked the front door in and put the fire out with a lot of water. 

I am a active agent and my fees are paid but how can I do my first deal to get my head above water faster?

Here's something that may work for you: Some MLS systems allow brokers to enter what is referred to as  limited service listings (google "flat fee MLS listing" and you won't have any trouble finding one).