Nice work on funding the deal with life insurance! 

HOWEVER, you pay a higher rate to do that, you are obviously financing more which also increases your payment.

The only con is the higher interest rate. 

Properties equipped with the latest technologies and sustainable features often command higher prices and rents, enjoy lower vacancy rates, and have reduced operating costs.

I actually did a Fund with them for the end of 2022 which has had amazing results. 

I'm in need of additional funds to pay off lawyer fees and my wife's interest in other properties. 

I had a meeting with a girl who has a fund and tiny homes is in one of their criteria!

You will not find a free platform that will do that, but I would have all funds go into a savings account and then just each monthly do it yourself.

But how do you manage co-mingling of funds? 

If so you definitely  need one.If you or most all of your competition doesn't have one then it's not necessary but it may help set you apart from the competition if you need to increase your occupancy or nightly rate.