I just don't like the idea of letting this amount sit in the bank and at the same time I don't want to mingle it with personal brokerage account.Any suggestions or creative ideas?

, or you feel it's more hassle (liability, tenants complaints, etc) than benefits?

The competition, the feeling when you win, the grind to be the best.

I feel this is enough for bookkeeping.

My biggest pain point has been not knowing all the little things that could have helped me out if I put them in the lease that would have helped me snip some of my problems in the butt and for context I am a roockie with only one rental property Tenants will not move in with out all utilities in their name When tenants move out they will sign a move out form for all damages if any over a reasonable amount Tenant will not hang fie traps out side of home those are just personal examples of some of my issues with my one tenant so what would be really help full is some of the little things that you dont even know that you dont know 

You may want to visit a few cities to get a feel for the different markets and meet local real estate professionals.

That being said if you feel we can help - do reach out, would be glad to help and give further guidance on do’s and donts based on my 5 years of experience working with dozens of VAs overtime.

If you can find a partner with the capital and/or lack of time, you can become that go to person on the team to make sure you are making solid decisions on the buy side, especially if your partners are out of state. 

I would personally encourage you to use debt if you are looking to wait 3 years to get started though.

I have about $300 on my credit cards (just finally paid them off for the most part, and have about $20,000 limit).My cash on hand is relatively light, but what my plan was was to find some single family homes in the north Detroit area (currently anywhere from $40-$60k and put about $15-20k tops into any repairs or fixes (not looking for total rehabs, mostly something I can do some small repairs here and there and paint, personally I am knowledgeable about renovating up until complex electric and plumbing).