I tried for 2 years now to work with bookkeepers. After 4 keepers I decided to do it myself in April of this year. I am glad I did. I know my numbers well and have learned a lot. I am going to consolidate my credit cards to make my life easier starting Jan 1st 2026. On the flip side back in May of '25 I started separate bank accounts for each property. It is a little bit of overhead at first, but now the bookkeeping is so much more organized and efficient. No more hunting through memo's or staring at statements to see what came from where. Everything is organized the minute it is funded or deposited. For me it is the best way to go! I also paid for the next tier up with Quickbooks Online for a few features like adding classes. I created a class for each property. I also can break out my Padsplit properties separately so I can see just how they are doing on their own.

It is above and then below the 4.0 mark the last few days. Drop already and let the mortgage rates fall. :)