The loan officer there might be pretty nice but they are hitting you with what we call an "OVERLAY". 

Your going to need double security deposits as $500 is not enough to make ready a torn up unit.

Since you have a business account all expenses and income will flow through that so if shouldn't be that hard to keep track ofBased on the tone of your post maybe more important than the software, is the knowledge of what can be deducted and how to track expenses,  IRS puts out some free publicationshttps://www.irs.gov/publicationsPub 17 and Pub 334 would probably be the most useful.

Don't beat yourself up though, I made the same 'nice guy' mistake a few times before I learned my lesson. 

It will be a weight lifted off your shoulders once you find one that answers the phone when you call and makes stuff happen.

It would be nice to talk to someone that already had boots on the ground.

I think a nice offering is energy efficient recommendations.

If you ever wanted to look at some stuff in CA let me know, I'm currently investing in small multi-family in the Central Valley.Hopefully Woodland isn't as hot as Visalia today, I've got some family in Woodland - that's a nice area!

Joseph A. i live in richmond. i have 4 rentals but they are not in texas. i attended my first meet up in sugar land a week or so ago and it was amazing. it was really nice to meet like-minded people in the area. i highly recommend going to any meet up that you can. i’m happy to help in any way that i can also. what sort of properties are you looking for?

Its nice to see a topic relating to Canada versus having to translate everything from the US.