The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

, sales people in general - always stretch the truth!

Is the extra headache really worth it? 

That is the truth Nate, boy, I'd be exactly where I wanted to be, but I am definitely one that believes it's never to late, so I'm starting now to get ready for the next 20 years so I can retire comfortably.

I don't want to deal with massive headaches  for extra perceived yield. 

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

In a perfect situation, the payment will still be delayed (even if by hours) using this additional system.And secondly, many of these vendors have "clawback" provisions where, in their terms of service, you give them permission to go back into your account - even weeks after the fact - and reverse a deposit that was made by your tenant.My system is simple, allows for tenants to pay through multiple means, and does not cost me anything extra.

You can also request a security deposit for extra peace of mind. 

A couple of thoughts that might help.I recast a loan at a point where I had paid enough extra to allow recast (I think it was $5k over).

I want to upgrade my house up a notch in the couple years and get a couple little extras like that.