I've been working for a couple years now to build a rental property business account with money in it to prepare for a new investment business and our accountant is saying it would count against us since it's cash sitting there. 

@Richie@Richie Thomas WOW, you have taken me from sitting in the back of the classroom to right smack dab into the front row.  

A policy like this doesn’t sit well with me.

We are disciplined and feel we could use that cash better than letting the buffer sit and doing nothing.

What would someone ask for when sitting down with a lender in my circumstance?

I am using the cash flow from the two I am holding to pay off the land they sit on.

The master has the futon in a sitting area just in case if someone needs a space.

You can either try to Quiet Title or a similar process if your local law allows.

 $950 a month per unit sounds good, but not if it sits for 5 months vacant because it should really be $850 a month. 

Trucks that have the call to action on the back generate more calls as well because people sit there looking at the "sign" (back of the truck) in traffic.I've gotten more people to ask me about my business (e.g., standing in line at a store) when I wear a SHIRT or JACKET with the business name on it.