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

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)

We offer 4 different payment methods to our tenants: Online ACH via our PM software (no charge) Deposit @ our bank ($3 charge) Credit Card ($5 + cc fees) Mail ($10 charge)Notice we charge a fee for the less desirable options to encourage the behavior we want:)

Cozy accepts Credit Cards (CC) AND does ACH Bank Transfers.  

Brian Adams maybe I should've prefaced it with most of my friends work in emergency medicine so their advice may be jaded.

Nanotech, Regenerative Medicines, and Biotech fields have been growing steadily in the area.

It also included instructions to ACH transfer rather than pay on the software, because the software provider "takes a percentage."

I've heard nightmares that some investors had to deal with companies who weren't pleasant to work with and it was a head-aching process.What companies have you used and recommend for conventional mortgage loans for a first time investor for a (2-4 plex) ?