They can ACH it, walk in to a branch with cash or a personal check, etc.I know a lot of people find these third party vendors convenient, but to me it just puts another link in the chain between the tenant's payment and my revenue. 

Without payoff and lien info, this is a complete gamble for you, IMO.

At the moment it looks more like gambling.

Agreed, it will impact the convenience and may strain with high-income tenants..  

Gains through crypto felt uncertain to me but still had a draw, so I decided I wouldn't use more than 5% of my disposable income to gamble (whether on leveraged index funds like QLD or crypto).

Is it a gamble to move into one of these neighborhoods if the market crashes?

@Flavia Vangelotti forecasting appreciation is always a gamble so I view it as a bonus on my investment properties. 

Your post didn't sound like it came from a landlord with 25 years of experience, so I was pointing to the basics hoping it would motivate you to do some research.A quick Google search revealed numerous NJ banks that offer the convenience of opening accounts online.

I used 1800Account for my business and was happy with them but they are a bit pricey in the long run but, I found their online system very convenient. 

Class B would be older (maybe 10+ yrs old) with the same amenities, or you could argue that new construction, but with cheap finishes and "bare bones" amenities, would also be B.For area: it commonly comes down to crime, schools, and convenience/entertainment access.