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. 

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.

You can just do an ACH from the LOC to your personal bank account

Thanks all of you for giving me the re-assurance that everything will work out once I start going out there and recognize that being honest is the best medicine in this business..

Seriously, I have never had any problems and linked my regular checking accounts at different firms via ACH to the Ally account and it works well.

They charge $18.50 a month and ACH the balance to our account.