We figure we build our portfolio from the muscle and then go to investors to ask for a loan that support our terms.

They can also ACH into your account, just have your banker help you set it up.

I had forgotten what it felt like at the end of each day coming home covered in paint with tired aching muscles.

It does cost you about $15 a month, give or take, depending on which of the five million ACH/EFT companies you choose to go with.

I agree with @Miller McSwain and @Tommy Parker, Innago is the best available.Most importantly, the customer service is top notch.You can have tenants pay online, you can also have the $2 ACH fee charged to you as well. 

In my on going quest to learn about this new world of REI, I have been trying to flex my muscles in the brain to understand the ways in which everyone else is successful. 

The PM provides monthly statements on income/expenses and there is an ACH to my account in bulk twice a month.Is it best practice to take those statements and enter the details of them into my own software versus just the ACH?  

Then look at Secured Credit Cards for a Visa.Bad Credit - Get this book, best book on build a good history even after a Ch 7 BK.http://www.amazon.com/Hidden-Credit-Repair-Secrets-Extreme-ebook/dp/B004AM59WI2.

It's a little pricier than some of the other online payment services ($3 per payment, option of tenant paying, landlord paying or split it) but they have great service and it's geared specifically for rental payments and not just general ACH payments.

I also have figured out most of what you mentioned, ACH payments, screening company, and rental criteria.