But you do not have to flex that muscle.

I only do ACH transfers. 

I’d rather pay a PM the 10% for the head aches or sell altogether if the maintenance issues continue since fully gutting in this area doesn’t make much sense either.

It appears that the Zillow service is free to the landlord and they make their money on non ach transactions with the tenant (credit/debit cards).  

You bought in a bad area frankly, your going to have to muscle your way out and buy up the neighborhood and improve the region, or comes to terms with it.

That risk muscle is something that has to be built.  

I recommend you do the same unless you want to encourage this tenant that it is okay to make their problems into your problems.For the future, consider requiring ACH/auto-debit/Zelle or some other form of automated/electronic payment so "I couldn't get to the bank" is no longer a factor.

I use ACH to get my rent and have only had ONE late in over 9 years.Today I am 'semi-retired' and still don't have much to do with my properties.  

Cozy is free to landlords (though there are some upgrade options), and free to tenants as long as they pay via bank ACH.

Another option is have them get a NetSpend card or a similar prepaid debit card that allows ACH debits and they can use that with a payment service, such as PayPal or a rent payment service.