Cozy and I believe Tenant Cloud both have this feature.

For more electronically savvy, there is Zelle, Cozy, and many others. 

Cozy only offers monthly billing to tenants (bummed about that because of all the good reviews).

It's an old outdated laundromat turned new, comfy and cozy laundromat.

I met an agent this side of Knoxville, and she said,She was selling homes in Gatlinburg,I climbed up in my chair all warm, nice and cozy,Thought I'd soon be hearing from her...But tears filled my eyes when I found out she was gone, Smoky Mountain rain, I keep on call'n, keep on call'n, her nameSmoky Mountain rain, it keeps fall'n, I keep on call'n.But she's somewhere in the Smoky Mountain rain."

This is how insurance companies determine risk and rates - the most money they can reasonably charge, within the confines of regulations, that will provide the most profit while maintaining the most customers (eg. prevent people from cancelling because it's too expensive), while covering expected losses, figures determined (hopefully) by research rather than arbitrarily guessing how much they may have in losses.All that doesn't mean rules are always well constructed or even suitable for their intended purpose, but if we want to avoid anarchy well reasoned rules and regulations are the least unpalatable alternative.

Also, you can easily hold notes nationwide and wouldn’t be confined to your region.

Cozy is used by tons of people and I have heard it makes bookkeeping simple, plus you can probably get a lot of help right here on the forums. 

I have them apply through cozy.

You can use services such as Tenant Cloud or Cozy.