Exactly.Last time I counted, I had 23 business bank accounts, and while it can sometimes be a pain in the butt (for example, I have about 11 different checkbooks), at the end of the year, it makes accounting much, much easier...

The difference can add hundreds of dollars monthly to your bottom line.

If your contractor chose Bank of America for their business account then they should have asked about and discussed timing and fees for different deposit types before choosing, ask their clients to use Zelle, or have a separate payment service like one contractor I use has pocketsuite for estimate, payment and invoices.

You are then Holding Co LLC dba as Operating LLC you will get two different Secretary of State filing numbers. 

I'm not sure of your FICO, loan amount, etc...but I'd expect the difference in rate between 75% and 80% LTV to be around 0.5-1.0%. 

Taking this step will absolutely make the difference on whether or not you get some deals.Messaging - using VA's vs local callers and the actual script you use.  

  so I just read an article on the difference between quartz  and granite and the writer is saying just the opposite of the two posters above.

If you were in KC it would be a different story. 

Selling a lot takes time, you maybe won't find a seller of a duplex wanting to wait for you to close in this rapid seller's market. 

Generally there is a very minimal difference in rate between ARMs and 30 year fixed mortgages.