This was before computers to log these things.The check stubs got us unemployment funds, and started an investigation into this company that had done the same to others for many years!

I’ll have to look into your points as soon as I get back to my computer. 

I don’t have anything on the computer (had a computer crash a couple years ago).

Some do full appraisals and others use desktop underwriting, similar to a Zillow estimate. 

Let's travel in time back in the giant physical computer days. 360 days in a year and 360 mortgage payments (12 months times 30 years) meant they had to move less vacuum tubes around between calculations if you went with 360 day years.

We're in NY, my wife's mom was in San Francisco, didn't take her laptop with her when she visited, and they had to lookup something on her computer, all she had to do is borrow a laptop, log into the Office 365 account, and do whatever, like pull up a spreadsheet.

In addition, I use high quality (not $8) surge protection power strips on my computer, TV, etc.I do not bother though on my rentals. 

We have some that pay with BillPay (some of the cash check places  have that and money orders free, here).One plus Cozy has over TenantCloud is 1099 reporting at year end - TenantClould reports it all as one entity, which Cozy says they'll report each bank account as it's own entity (which makes more sense, if you manage properties for multiple companies or individuals).For  full accounting, I keep it all in quickbooks (desktop - much more capable than the online version), as we have for, well, decades at this point, I guess.There is one free one out there, but I've only just started testing it, Turbo Tenant.

In my opinion, pay $180 and get QuickBooks Desktop Pro. 

They look great on spreadsheets, but the reality is that those numbers don't compute in real-world scenarios.