I keep my balances really low and pay my credit cards weekly on payday so I don't normally run into this problem but I have seen the rare chance when I am on vacation and have large spend that aligns right at the end of a billing cycle where my reported balance goes up by a few thousand dollars. 

Every contact I needed for insurance, mortgage and cleaners were done online, mostly through connections from BP. 

From my experience, to succeed in multifamily investing, focus on networking through local meetups, online forums, and professional connections, leveraging your CPA skills to analyze deals and optimize deductions.

Alternatively, there are high-yield online savings accounts like Marcus or others - the difference is that banks have some inherent risk, thus the FDIC insurance. 

Here, once you have an account and a bit of lending experience, you can access the online, fill-in-the-blank templates to create your own set of documents. 

Network (in-person events and online BP)3. 

Here is a calendy link if you wanted to chat on a zoom or call. https://calendly.com/trepador64/online-meeting

I contacted that agency this week online & got a response they are not writing commercial properties now. 

The majority of buyers appreciate the expertise that a good agent provides (local market knowledge that can only be gained by being active in the market buying and selling all the time, looking at most of the new listings in person or at least online daily, a background in or at least understanding of building construction, relationships within the network of professionals in the industry doing deals, vendor referrals, legal protection through E&O insurance and keeping up with constant changes in approved contracts and required disclosures and forms, negotiating skills (the average person is terrible at negotiating directly and has no desire to, I find Americans are uniquely averse to negotiating and prefer to outsource it but I digress), etc.).

So here is what I do:1 - Get buyer criteria for what they are looking for (exact criteria)2 - Go source that criteria using data provider3 - Scrub the list and plan a marketing campaign around it (i.e) > Direct Mail > Cold Call > SMS > Online Ads > Social Media, etc4 - Once I get inbound leads coming in.