I would get a credit card and connect it with a service like Debitize which will allow you to use your credit card as a debit card while keeping it paid off at the end of the month.

And may even get some cash back from the old lender (prepaid tax and insurance in escrow) depending on the type of lender and timing of the Refi.  

Prior to the call have the reports send out to you - this can be achieved via virtually any property management software these days by selecting an existing report or creating a custom one and setting up a frequency of the report being sent to your email.The reports should include rent rolls, income statement, balance sheet, general ledger, accounts receivable (rents received and/or pre-paid), as well as monthly bank statements reconciled against your property management account.2) As for which ones are the most critical ones, it depends  when you have purchased the property and where you're at from a re-positioning stand point and how many units (percentage-wise have been turned around).

Have tenants pay through erentpayment.com or some other direct debit system.

No credit or debit cards, no loans or mortgages, no bank accounts, LLC registered to other people. 

However, tenants at other properties may not have checking accounts or may only have pre-paid debit card accounts.

When I want to keep my spending under control I do things like: creating and following a written budget, only using cash for impulse purchases, using a debit card for purchases instead of a credit card.

Seriously though you're ahead of the game compared to most Americans, who rent forever and keep credit card debit/never save. 

The rate we have is a) the lowest they have, and b) discounted a result of relationships we set up (checking, savings, debit card, online banking etc).

also, consider she could work for the State where State pays off her entire student loan for 10 years of service. my Neice did this here in California with her $200,000 in student loans. while the pay was slightly less the benefits of $20,000 per year of Debit being forgiven made it a no-brainer.