Hi Account Closed!  

Do you just use a “high interest” (I use that term loosely..) savings account?

Account Closed suggested and pay her the money.

I didn't account for management but yes, I plan on having management in place so I will include it in the breakdown.Real estate taxes -- 12,892/year...1,075/monthinsurance -- 9,363/year... 780/monthwater/sewer -- 5,080/year... 424/monthlandscaping -- 600/year... 50/monthprop. man. -- 7,200/year... 600/monthTotal -- $35,135/year... $2,930/monthI tried looking into a commercial loan, but they wanted 2 points plus 10 percent interest.

Retirement accounts were designed to be invested passively, and that is what makes most sense since all income is sheltered from taxes.

I used to do it for most clients (bigger ones excluded) unless I had access to an operating account of some type for them. 

You may go through the "Education" tab under your account's main page that has some valuable links.

The banks I went to all said to have: good credit score, 20% to put down, a Debt to income ratio under 43%, 6 months of the mortgage saved up in savings/checkings/roth account and 2 months of my current mortgage saved. 

Possibly income averaging-ask your accountant to help.  

Smaller amounts are seen as a line of credit like a credit card and will appear to your credit that you are maxed out in that account.