Hey Greg, we are able to ACH owners directly with disbursements.

They can pay with cash, ACH, or credit card.

I decided to go with Innago property management software as it's basically free for both tenants and landlords ($2/payment to process ACH payments, which either tenant or landlord can pay.) 

@Joseph WidenI doubt you would qualify for ch 7 with that type of salary and they would push it to a ch 13 which would just reorganize the debts

Can anyone answer the typical payment lag for ACH or credit card processing?

http://www.biggerpockets.com/forums/56/topics/62430-what-do-you-drive-#2002 hyundai accent2007 Jetta2004 GMCAlready did the dream car thing, all muscle cars and a vette.

@Kevin Nolan  you should look at the Florence/Muscle Shoals MSA, I think you would be pleasantly surprised

So I use Zillow Rental Manager right now and they say even with ACH bank transfer, it will take 5 business days.

But now, you have the information to go out and close deal after deal (as long as you have enough grind and perseverance to stick with it - just like going to the gym with goals of losing weight and gaining muscle). 

We have used ACH payments, bank-to-bank, in the past.