Then simply add an ACH interface which should you can find for $.55 per transaction.

I too am a professional in NE Florida who recently discovered BP.

First lien mean simply you're the bank.You loan them the money they need on your termsAre they going to live in it or rent it out?

I am excited to have discovered Bigger Pockets.

HI Daniel,I hope that you don't plan to leave your 9-5 to simply jump all the way into RE.  

You would then be discovering delinquent payments or worse, missed payments are occurring after the fact.  

. - which is what you would typically WANT to have happen in a situation where you discover a foundation/roof/etc issue but the seller will not let you look closer at it!

These are simply suggestions and your own risk tolerance will guide your final decision:Slow and Steady: $100K should be more than enough to afford down payments on a couple small multifamily units.

Some options to get to the bottom of this mystery are:Seems obvious but....simply ask your agent to walk you through the information on her spreadsheet. 

Or are simply "planning for the future," in which case I think you might be getting way ahead of yourself.