I like small local community banks and credit unions more than big banks.

Furthermore, the only way I can pay him is giving him my credit card info over the phone....he has no online payment portal.I still owe him for the inspection ($435) and am hesitant to hire another inspector right now.

Although I do track all the trends and partake in a few bio-hacker type things myself (hello sauna), it doesn't matter how much money people make, it always comes down to simple low hanging fruit kind of changes that make the biggest difference.

Second problem is we are Canadian citizens, staying down in the US fir 6 months per year, so no credit score down here or SSN.  

There are no real wholesalers in the group, and very few people doing free and clear transactions, at least that I know of, and the average level of the knowledge about real estate of any of those "Bid Dogs" attending the masterminds is very low, or almost non existent, as most of them are new members.Phil preaches that they are experts because the know just a little be more about real estate investment than the average guy, but the reality is that is all smoke and mirrors, and they feed and prey upon people expectations to improve their lives, creating false expectations about people being able to make money the easy way, with no credit or money to start with.

After submitting the application and credit check, he also informed me that his girlfriend would be bringing her "emotional support dog" with her during her stays?

Here are some of the highlights: quickly set up bank accounts for each property and sub-accounts under those for things like security deposits and CapEx; virtual credit cards tied to each property; quick transfer of funds; ability to send money back and forth to tenants (some platforms are for collection only but won't let you send your refundable deposits back to your tenants); easily categorize every transaction into IRS Schedule E categories for reporting taxes; ability to split transactions; tenant management from vetting to drafting lease agreements to collecting rent.

It is now being forecasted as one of the fastest growing markets in the U.S. and prices are still relatively low.

@Kory SantaellaIf these have mortgages you don't need them in an LLC.A LLC can also give you a false sense of security.You may be subject to due on sale clause on your low interest rate loans.

You contract should have dealt with credits for the security deposits.