The folks on this forum want to help others, but there is also a basic level of accountability that investors should have as well.

The other thing we could do is an All in One from Merchants Bank of Indiana (I live near a branch), which is a first position HELOC that is connected to a checking account. 30 year term with adjustable rate.

There are lenders that will go down to 620 for your middle mortgage FICO credit score with more money down and lenders who will do 15% down for a single family with 720 and above with a 1.2 DSCR ratio (more on that below).

Single lease as one unit.

But, if you are in a more "value" oriented neighborhood, this could work.Alternatively, on the single family side, I converted what was a 3 bed (granted the third bed was originally the garage) back into a 2 bed.  

Also, do you suggest we create a new bank account to manage property? 

My sister in law and husband recently moved to LA into a single family home which is broken out into two units (upstairs and downstairs). 

So my question is  -- in an era where you can get a 5% CoCR from bonds, money market accounts, or a high-yield savings account is RE still the best place to put your money? 

I am paying mortgage for all the rentals from business accounts.

It's nothing against you, but right before every single real estate market downturn, I've found that investors start to say two things: 1) real estate will never go down and the market is strong, & 2) I'll lend at 100% or even more or as a borrower, I need 100% financing.