Hi Mary,If you haven't found a solution yet, I am currently building an app that has a maintenance tracking feature and maintenance reminders are next in the pipeline. 

Does anyone know of a free mobile app that i can use to scan receipts, until i can generate funds to  purchase quick books?

You can avoid the firmware issue by taking your phone in close proximity to the lock (a few inches or less) and use the app to check for any firmware updates.

Pros and cons with each lender that have to be weighed:  Rate, prepayment, amortization or IO, closing costs, and reserve requirements.If you decide to refinance, I'd recommend seeking out credit union quotes before committing to an agency deal and weigh those options against each other.   

Room42.io offers engineering-based studies for residential components at $525 per property - way less than traditional firms but still defensible.

While $400k properties were historically the minimum threshold, platforms like room42.io now make cost seg accessible for much smaller residential deals.For investors with properties in the $200-400k range who were told "it's not worth it" in the past, it's worth taking a fresh look.

If your accountant is comfortable with the methodology and documentation, that's half the battle.For a small portfolio, I'd also suggest looking at newer options like room42.io.

That means you come in with:1) Contract in the LLC name2) App filled out if necessary3) Who your title contact is4) SOW if a bridge loan5) Your ID6) The credit auth to run your credit7) Bank statements that show cash to close plus a cushionThen, you are asking what will make a lender work with someone who has little to no experience. 

A simple checkpoint I use is does the deal still hit a 1.25 DSCR at the refi under stressed rates and a higher exit cap, and is there enough reserves to survive the gap if not.Did they disclose the exact loan terms like LTV, IO period, extensions, and whether there was a rate cap in place, and what DSCR did it underwrite to at maturity day one?

I'm just looking for a good app that can help me record receipts and expenses, help me management income.