Like you stated; you don't want head ache long term tenants.

I do not think that will be a huge issue, as I have a distinct advantage and I have  just purpose for my business.But paying about 700  (price is not the point here) for a press release and it will end up hurting me (duplicate content, and spammy backlinks) makes my belly ache.

On top of that we ACH all borrower payments to our customers on a daily basis. 

congratulations @Shaun Caldwell , way to use the hustle muscle.

let your tenant ACH into your account but dont you debt their account.

But I muscled through the problems, and am kind of wishing I'd not stopped buying while I sorted through them because I was buying right!

With that comes additional head aches. 

Then even if somebody guesses (or steals your pw from some other service), they still can't compromise your data.It should include tenant screening so you can run credit, criminal, and eviction reports on all prospective tenants.It should have built in ACH and CC payment solutions so you can automate your rent collection.It should include a tenant portal so your tenants can look at their status online and pay their bill online without having to bother you.It should automate your taxes at the end of the year, and file your 1099s electronically.It should keep track of all your repair requests so nothing slips through the cracks.It should include a way to centrally communicate with your tenants via email and text-message so every single message is recorded and tagged to the tenant (for liability and record keeping).The list goes on, I'll stop here before the reply gets too long. =)  Do your research and discover which system works best for your processes.For insurance, if you go the LLC route be sure to have insurance on that business.  

I have a degenerative muscle disease that is slowly weakening my arms and legs so I'm hoping to retire in 15-20 years, and also have enough income to help my kids thru college.

I started with a mentor and just went out and do it, muscle memory.