@Dave Foster, you've nailed my issue precisely. 

Our location is near transportation so an easy commute into Philly. 

However, if you like QBO but really wanted to save money, there is a workaround, that is Location.

All funds, coming and going, must pass the security checkpoint first, before moving through the door to the next location.1 - The loan money sits in that account until the borrower/REI has the investment lined up that will make the payments back to the lender. 

You could end up with some bulkheads in horrible locations if you just let teh AC guys do what they want.

We are located in Charlotte, NC, and here is some back story to help encourage professional opinions.As of right now My wife is a full time student at UNCC scheduled to graduate in December of this year (Woohoo!!)

Whether or not you sell your current house will depend on what the numbers are for renting each room and what your payment is.Where are you located, what are the rents for each room, what's your current payment?  

I use any rental income to pay for utilities, business expenses pertaining to the house, etc.I plan to open a new bank account for the Philly house for expenses/income but can it be the bank I use here, or has to have a Philly location? 

This shows they already invest in the area and are proven to like the location.

It wa located in LP.