I need to flex my capitalism muscles and get stronger.

Regarding the grace period, that's an unfortunate side effect of ACH. 

I'm going to assume this was muscle memory from underwriting when sending stipulations to the loan agent. 

Those are great, but they're really about the mechanics of building a model as opposed to building muscle for the assumptions. 

@daniel i hate to admit this i always negotiate cash for keys or return a portion of deposit even if unit is trashed. in my experience not worth my time doing an eviction loss rent loss time and head ache.

We use mysmartmove for background and an ACH service to collect rent. 

Confidence is like a muscle-- you build it over time.

Free ach withdrawals take a couple days.

That, and ACH withdrawals.

I’ve seen other community banks out there with similar 2-3% APY, albeit all with some hoops to jump through (monthly transaction requirements, ach transfers or direct deposit requirements, etc)