It will help a lot if you understand accounting and how the statements are actually generated.

How do you know there are funds have you seen actual bank accounts ?

I specifically want to call out one of their Senior Accounts Associate, Charlotte Cunningham, who helped me through the process on my first purchase as I needed to buy a sizable amount of furniture quickly and she was able to help me make moves quickly...and didn't make me feel bad whatsoever when I pulled back a few items at the last minute I was able to find them cheaper elsewhere.

It may be that they are underwriting the property at a significantly different valuation than what you are using or that they feel that you or the deal is excessively risky.Great advice here, and a good HML will have an account rep or someone to communicate with you through the process so that you know. 

.$70,000 financed as a 30 yr mortgage with 7% interest.Monthly payment to repay $50K PML in 5 years: $966.64Monthly payments collected on 30 yr loan of $70K @7%: $465.71$20,000 in the bank account after transaction closed. 

We have an accountant with a chart of accounts to manage everything but I do not see why you need one for operating expenses vs. income.

They ended up with no help, and less money in their bank account.  

@Tom Nagy There are a number of existing forum threads covering the challenges RAD Diversified has faced with a number of investor's personal accounts of their own experiences.

So far, I've rated Evergreen and FCI lowest based on a number of reviews on different platforms that have consistent negative reviews mentioning certain specific issues that I find concerning (this is after accounting for the inevitable disgruntled customer/borrower who gets unjustifiably upset).Are you able to share any of your information?  

Don to me  passive you are not on the Checking account and Active you are on the checking account.