Buildium vs. Cozy - What are the advantages of each?

[Matthew Defore]

For those of you who are familiar with each software, what does Buildium do that Cozy does not?  Buildium for me is $50/mo, whereas Cozy is free.  The main thing that I am interested in doing is online ACH rent payments.  It is beneficial that Buildium can track which appliances are in each home etc, just not sure if it's worth $50/mo.

How long does it take to get the ACH payments set up on Cozy?