I assume you meant ". . . just at sale of home", not " . . . just at sale of land." in second paragraph.

I meant 6 mo - 1 yr.

Comps is what I meant with ARV. 

Yes, this is a bit simplified...it's meant to complement all the good advice above.

In a rare case of disagreement with @Natalie Kolodij, one of her statements is debatable, at a minimum:"No it doesn't need to be in a business"unless she meant "does not need to be in a separate business entity" - then we're on the same page.The statutory language in the new law specifically refers to "trade or business" as a condition for the 20% deduction.

It was such a pain to set up (I think their over-the-phone on boarding is mandatory, but it NEEDS to be, you literally can't set it all up on your own) and while I did get bookings, communicating with the guests to get whatever missing card information there is meant I got cancellations, too.  

I explained that I meant to use these to do repairs in a rental as I wait for the refinance and they said "ok" and approved.

Can you elaborate on what you meant by that?

@Brie SchmidtOne other quick question, what you meant by 'copy of the rules and regulations and bylaws'?

You can fight with the bank over it all you want.Google The NY Times article on Zelle- it was meant to scare people off of the platform, but I found it to be very reassuring.Make no mistake- I love Cozy, and what it offers- but Zelle and Venmo are just a better system for collecting rent if you have good tenants.