I'm emotionally invested so I'll admit that bias, but it really is a great area.  

We do not discriminate against persons because of race, color, religion, sex, handicap, familial status, national origin, age, sexual orientation, or gender identity.

I would be more positive  because you are portraying your business when you write this and you don't want to bias it to complaining.

@Gerald Demers You're lucky that the moderators are treating you kindly (while you are new to BP, at least) as you have shared outside resources and websites, which seems to upset them.Also, you suggest that people actually spend money, which appears to be another thing that is not PC to the newbie-biased moderators.I also agree with you and Flyboy Jay that part of the nuance of investing is knowing what research  to do when, and to know your own tolerance for risk.

I'm in the industry, so I won't make any recommendations (as they could be biased), but googling "tenant ach payments" will give you a number of options to explore.

@Joe Villeneuve  my comments are more directed towards the camp who's motto is" I just want cash flow and appreciation is icing on the Cake"  but its all a personal preference and risk tolerance and historic movement in RE values.And when your born and Raised in the Silicon Valley like myself and started in RE in 1975 I have seen the huge run ups.. so of course I just can't have anything but an appreciation bias for sure..   1975 home in Cupertino were I was raised my parents paid 25k for it.. today its worth close to 2 million and its just a Valley track house nothing special 3/ and 2 with a bonus room and 2 car garage on a 6k sq ft lot...and what you don't have in the bay area is with the very very tiny exception you have NO area that devalued at all...

This is a really unfortunate case of association bias and projection (these posters remember fighting about money, so they assume you and your girlfriend will also fight about money).  

I have a bias that racists are ignorant.  

Maybe I am biased.

But hey, this is a real estate investment forum, so there is obvious bias here.