Track your spending and see where your money is going. 

I foresee us being stopped dead in our tracks due to mutual insufficient credit scores in the near-future and the inability to perform a cash out.Any input would be much appreciated.

Sometimes it is better to have them collect and send you the rent so you don't keep track of multiple people and when you impose a late fee it is on them to pass it on to whoever was late. 

All tenants are MTM with a good track history.

The insurance company will notify you if the tenant's policy ever lapses or is canceled.If you require insurance, figure out how to track and enforce compliance.

What is their track record?

If you're looking for basic income/expense tracking, I'd suggest checking out Stessa.

Have any BP posters tracked the dollars spent vs results between the two?

Professionals with decades of experience and very impressive track records do all the heavy lifting for you.

Professionals with decades of experience and very impressive track records do all the heavy lifting for you.