The rent ACH time fran from initiation to hitting the owners account is about 3-4 days.  

-Setting up an ACH withdrawn system, some banks might even offer this server- Have them mail it to you (let them know you go by the date on the stamp.  

Actually, I take on the risk by paying my owners even if the check or ACH might not have cleared by the time I pay out. 

We also have a website supported by them that allows tenants to pay online by debit & credit cards and ach.

Useful features are the tenant screening that's built in, ACH payments from tenants, they provide me with a website to list my company and listings (I don't use the website yet, but I do list my listings), they automatically send all my vacancies to zillow, trulia, and a handful of other sites. 

For these folks its just about cash flow and no head aches.. professional management  a month cash flow NO debt. the 80 unit one I think they paid 4.5 for cash..  

I was not aware that an ACH payment can bounce NSF just like a check!

They make enough that i know it would not be a budget issue, and from my merchant experiences, i know that ACH payments are less likely to be declined by a bank.... so is there a service to set up auto payments with a routing number and account number? 

I'm not (at least not for more than 2 of my units).I don't deal with ACH, tenant screening (professionally) and all that stuff that's offered with these services.What I do need is a program to easily add a new property/unit, put in the rent, any recurring or one-time costs, mortgage info, purchase price and associated costs and the same for any sale transaction on the property.

I have all tenants set up with ACH autopay, which is automated direct deposit into my account.