They can be redeemed right up until the last business day before the auction. 

Thumbs down on Innago for rent collection, based on my past few months' experience.In my case, my tenant has sufficient funds, but Innago takes much more time than the claimed 3 business days to verify and disburse funds "because the amount is above the threshold and being flagged for fraud."

That was a Tuesday.  3 business days later -- plus one Saturday and I still see no money in my checking account.  

Stocks can be be converted to cash in 2 business days.

Unfortunately, my contract has a three week period where if "my partner does not approve" where I have a spread of 14 business days.

I just literally closed one of these in 15 business days. 

Basically the assumption is that people signing a contract have 3 BUSINESS days to have their attorneys review the contract and they can back out for essentially any reason. 

If you are, Federal rule requires a payoff demand be provided within 7 (business) days of the request or, an explanation for why one can't be provided.I ignore payoff requests when the requestor can't connect the dots to show me they are entitled to my information.

At least that's how it read to me on their website:https://cozy.co/ach-explained4-6 Business days is a LONG time.  

The relationship worked out great because any real estate agent in the game for a considerable about of time is not going to have every moment of their business day available to you.