Or what other small head aches can you solve for investors with technology that your degree may warrant your credible to do?

Regardless of any merchant account fees you are typically going to have high transaction fees with card processing, such as around 3% for credit cards, 1.5% for debit cards, so that can add up quickly compared to ACH processing costs.- Reminders: We have a monthly reminder you can set that is always sent on a particular day of the month and we have a late reminder option that is only sent on a particular day of the month if a payment hasn't been submitted yet.

Not only that, they most likely have food items and medicine that need to be wasted unless they consume them all or take it with them during their brief "vacation".How would you compensate your tenants?

Banks offer ACH payments which should withdrawal right out of their checking account.

(my educational bias is about to come out) Think: engineering, law, medicine, finance. 

Mostly.Now I have a PM who doesn't do that, they pay for everything out of their operating budget and bill me, and ACH all of my receivables to me.I'm torn on which way is best.  

To influence this you could offer the mod at 9.25% without ACH and 9% with ACH.Set the mod up with a  tax escrow so you don't have to monitor taxes.Since the borrower is up to date with tax and HOA, you could probably limit the forbearance to about 6 months, requiring the 6K up front and 100% on time payments during the forbearance.If the collateral is in an HHF state, you can encourage the borrower apply for it during the forbearance period. 

. :)I enjoy Bible reading, holistic alternatives to conventional medicine, fashion, cats, Whole Foods, and working with dementia sufferers. 

I am from Medicine Hat but live in California.

However I am not opposed to online ACH transfer, Dwolla, mailed checks/money order, or if they want to deposit at another bank that I have an account at.