My client has had 5 properties for a couple years and wants to start using QBO starting with Jan 1, 2022.  Since the buildings were bought before and have had payments made to the associated mortgages before 1/1/22, I need help in setting up the chart of accounts and posting the properties and their mortgages as of 1/1/22.  The problem I'm having is that normally I would credit a bank account for the down payment and of course then the down payment and mortgage would offset the debit of the building in the journal entry, but in this case I don't know about crediting the bank account since that transaction was way in the past.  Does anyone know how to handle a situation like this?