I think one solution could be to utilize location tracking in QBO Plus and allocate transactions to the respective locations (personal or business). That way you can separate books within one account as you are able to pull reports by location. IRS audits require paper documentation rather than digital files. So long as you can substantiate the transactions in each location and don't mix personal with business other than clear owner contribution or draw you should be fine.  Most lawyers offer a free 30 min consultation to win your business should you ever need it. Ask a few corporate lawyers if that is an acceptable way of separating the books in the event the IRS (and/or your state/local tax authorities) chooses to push an audit to tax court. Likewise, you can ask if the separation by location will suffice to maintain your limited personal liability. Martindale is a good site to find lawyers by their field of expertise: https://www.martindale.com/