Everyone is going to give you their own "personal" preference.

Louis and has a solid property manager, you should connect with him.I think house hacking is an awesome next step! 

It only says "some personal use" with no quantity specified. 

Its a personal decision for sure.

They will allow your mortgage payment and any personal debt payments (credit cards, cars, etc) to reach about 45% of your monthly income.Programs vary all over the place so it's best to ask a mortgage broker which programs you qualify for.They like two years on the job, rent paid on time, no liens or judgments, pay stubs, tax returns and so on.FHA has a 3.5% down program plus closing costs.

I personally use US Bank [Big stable bank with Zelle capabilities], Relay [Checking and Savings 3%] and then Quickbooks [high interest rate 5%].

In my personal opinion this is a very small issue that can be easily handled in a Saturday afternoon Congrats on having 2 rentals in this market!

Find a group or person that can give you both education and mentoring. 

But I get it if you can invest 500.00 U certainly cant buy whole notes or secured positions with such a small amount. becomes a personal decisions make 7.5% with risk of losing it all or buy T bills for about 5% with zero risk.. its up to the individual investors.

I now have the EMD lender blowing up my phone saying he needs to get paid and if I dont pay him by a certain period or pay more money due to the length its been he is going to "blast" me on his social media and stating he is the "last person I want to mess with", is this allowed?