Christian Wathne after reading your post, I signed up with USAA for auto, and primary homeowners.

A lot of people expect this business to run on auto-pilot or turn it all over to Management Company – you’ll still have to manage them and you still need to check & verify to stay competitive. 

I am surprised the collections dropped the credit score that much unless she was late on the auto loan or had other charged off CCs or such. 

It's a mini-Detroit type market, where population declines due to the auto industry's flight have hollowed out the city and left a devastated housing market with more supply and demand.

I've been receiving venmo from half my tenants and auto-pay physical checks from the rest. 

You can set up an alias service@greatrentals for tenant service requests and have an auto-responder, so tenants get an immediate "response" to service requests.

Hi Derek,I'm not sure if these are valuable for a pro-forma, but they are real world expenses on my P&L's - Office Expenses, Phone, Auto expenses, returned deposits.Jeff

Rent is never late, always auto deposited into my bank account.So quite different scenarios.

This coverage will offer defense and claims settlement for alleged or actual injury caused by CO2 emissions from a heating or air conditioning source.You can add a "personal umbrella" to cover your personal liability exposures of your home and auto, if your net worth justifies it, but you should keep any income producing assets separate from your personal liabilities.Ivan

The tenant pays us through their bank auto-bill pay.