I want to start a separate bucket for house funds, but am not sure what to do/where to put this where I can get the most out of it in a few years.

If this HR block person doesn't know (which is common with them sadly) it maybe time for another accountant 

My understanding is that there is no federal housing law in place that speaks to this, unless I get an FHA loan potentially.

Although balancing your portfolio makes sense, with such a low rate, holding onto this property might give you both stability and potential appreciation without rushing into other markets.

What are ways I can do this without paying any service for a landlord portal?

This is an off-market deal.  

This adds to your credibility too.

U have all sorts of HMB on this site that broker for direct lenders and they quote 10% down 100% rehab funds maybe its just a come on and it does not really exist ????

I am a successful real estate investor who recently acquired his real estate licence to help people achieve the same kind of success and I thought what better way then to write down everything I know into a short compact book full of important information.

I have considered doing this, but time constraints.