Yes negative days are different then NSF. negative days will show when you look at the ending daily balances on the statement. NSf is insufficient funds fee for an item, you could have several NSF s for one negative day.
General rule of thumb, minimum 10k a month deposits , 1k avg daily balance, no more than 3 negative days a month, and more than 5 deposits per month
PM me if you want any further guidelines or would like to send us some deals and we ll help you out.
Sounds like you would be best to find a good broker to work with, at least until you learn the programs and funders , you send the deals they underwrite and send to the best funder for the deal. I could certainly do this for you, as could any other good broker.