I had to adapt to the new situation and venture in to something I wasn’t actually wanting to do.

Number three: I never adapted my investing approach over the last two years to change with the market shifts.The summation of all three items drifted me slowly off course as each day passed.

People not adapting to the changing market. 

The key is to get that experience and adapt. 

You can adapt it for yourself. 

It's probably 5-10 years old as most towns/states defer adopting new versions right away so contractors/inspectors/developers have time to adapt.

I know the journey doesn’t end and that there’s always some sort of advancement that forces the good REI to adapt.

The key is to invest wisely and not assume that how/where/why you invest in 2006 is the same as in 2013 is the same as 2019.Just like with evolution:  Adapt and thrive, or refuse to adapt and perish.

If you are willing to deal with those without a credit card then adapt your process to include them.

Never be afraid to set it up like you want it set up, just be aware that may not be preferred for your tenants so you will have to "train" them like @Thomas S. indicates or adapt to find your sweet spot.