Just got my 1099 for last year and those fees (to which we never received) were included (even the $1 ACH fee they collect).

Now currently looking for HML that will lend to a first time rehabber. someone gave me a suggestion to joint venture with someone.

The structure would be a joint venture.

Use software or do ach through your bank.

Very few people at small local joints are making 50-60k..  

I went to pick up some food yesterday at a hamburger joint I always loved.

@Hjiorst FjioordsHere are considerations in choosing a Solo 401k provider and bank to provide the account:Solo 401k Bank Account Considerations:Here are some general considerations:If you want access to bank checks, a debit card and/or the ability to ACH funds out, you will need a bank, credit union etc. rather than a brokerage.There are 100s of banks and credit unions that have opened accounts for a Solo 401k.Keep in mind that the bank's role is limited to simply providing the account (i.e. no tax reporting, no recordkeeping, etc.) such you may wish to de-prioritize familiarity with Solo 401k plans and focus on other things that are important to you (i.e. branch locations, fees, etc.).If you want the ability to invest in stocks, mutual funds, etc., you will need a brokerage account.Many brokerage firms will open "free" accounts (i.e. no setup fee, no maintenance fee), which will also come with checkbook access and the ability to wire funds out such that they function as a "hybrid" between a bank and/or brokerage account.If you are looking for names of banks that open bank accounts for Solo 401k plans, there are many banks where we have received positive feedback including Wells Fargo, Bank of America, PNC along with local banks and credit unions just to name a few.

We filed jointly and our income property is in both of our names.

I would go with cheap Male/Female or any sex large rooms, with a joint bathroom and kitchen area. 

Can anyone give me some recommendations, or banks/credit unions that have caused them head aches?