Hi - Thanks for writing this out. I have a similar situation. I have a personal loan from an external account. I created a manual liability account for this loan. Not sure if I needed to do that, but I did. So the loaned ammount was transfered into my savings account and I categorized it as “Personal Loan”. I was confused by your comment, “have a manual cash account and add the balance there” I wasn’t sure what I should do here. The plan has been, the money comes into my account as a lump sum and I pay it down over time via transfers to the external account (repayment).
Appreciate the help.