And my tenants are paying these off for me while I collect much more cash flow.

You can set up rent collection, and create unlimited bank accounts to keep your funds organized.

Can we all decide to collectively kill it? 

Percent of rent is USELESS…If your 2000sf home needs a new roof, the roofer doesn’t care if you’re collecting $800/mo in Detroit or $5,000/mo in California.

.: They can find a new partner that wants to put in $22,000 to fix the foundation and then collect a percentage of the equity later on. 

Are your buyers just scammers looking to grab an option fee and run away or collect rents until a foreclosure?

I'd offer an easy online solution if they don't want to use their own provider.If a tenant can't afford renters insurance can they afford to replace their clothes, furniture, electronics, stay in a hotel, etc.?

Old clothing and shoes.  

We do use Chase Bank for our property management company, we do NOT collect interest on the funds.

You can hire them to be your physical address and collect your mail.