It adds up.) or free ACH payments  through  a company called "DWOLLA", however DWOLLA had a lot of negative reviews on the web, and I don't want to spook a tenant.- I settled on Cozy.co where I can automate tenant applications and screening and keep track of payments and accept electronic payments through ACH, or debit or credit cards the tenant pays.Hopefully, TurboTenant will provide free electronic payment and accounting/tracking.  

There are a lot of great programs for first-time homebuyers that help with downpayment assistance.After that, you can also look to do a joint venture with a group or like Eliott said, find a great deal and get it under contract.One of the best things you can do right now is educate yourself.

I would like to partner with some wholesalers using a joint venture agreement that isn't intimidating but protects both parties and keeps us legal as non brokers. 

There might be individuals in that space there and give give you some pointers or even do a joint venture with them where you learn along the way. 

I currently use TenantCloud, however, it now wants to charge my tenants a fee for paying by ACH. 

We just use ACH, I think at some point, having full time staff to check mail also makes sense.

We are both full-time W2s filing jointly however we rookie investors and have done a limited partnership in a syndication last year.

I do my taxes online and include the LLC with our personal taxes (married filing jointly) since we are the only managing members.  

I'm converting all joint tenancy and tenancy in-common ownerships to LLCs   Will this make a reassessment in prop tax? 

Ours was $10,000 which is refundable after we've done our first $500,000 in a joint venture agreement.