@Shadeare Doyle - My cell is in my signature line. 

I was looking into a virtual number such as from RingCentral so that I wouldn't have to use my personal cell in any guest communications, but I also noted that many of the PMS such as OwnerRez and Lodgify offer SMS messaging.

Sometimes the score is low but just because unpaid medical bills for example but in other cases all bills are late, even a cell bill of $50 or less.

That will have to change or there will need to be a big fat disclosure from the listing agent that they are in no way representing the buyer even though they are writing the contract and handling all the inspections and such.

Don't be just another vanilla (forgettable) $190 ADR listing with cell phone pictures, no SEO and the same hot tub and fire pit as everyone else. 

My partner would burn through a truck and had 1500 dollar cell bills per month in those days.So I told my partner ( the logger) Hey let me bring this into the the 1990'S.. 

In the event of a true disaster, just know you can't keep yourself whole.Basically, you're participating to save on pennies--via a normal insurance process--and to keep yourself exposed to any fat tails event. 

There are a lot of different ways to start investing, so trimming the fat on the direction is a great beginning. 

Thinking my cell phone is not working and maybe I missed some emails, I went back home to check my emails on my laptop and did not see a single email from them.

You should have the cell phone of anyone you deal with regularly and they should have alternate points of contact if there's a conflict that keeps them from handling your file personally.