But PS, I have a terrible arm and can't toss the rock.

You can also look into a 7/1 ARM.

Does anyone have any recommendations for how to collect monthly rent payments digitally into an established account?

The days of double digit year on year appreciation seem to be behind us, but 5-8% each year is still above the national average.

Got into REI almost by accident and did what you said - shopped for the best terms to make each property perform the best.I did at one point try to consolidate, but any institution I found that didn’t sell mortgages had the worst terms: higher rates and typically ARMs, which I’m grateful for not taking because my rates would be crushing me now.I’ll look into other versions of some of the things you mention like cross colatteral and construction loan but not sure how that would work considering I don’t actually have any construction needs. 

Eg, I offered to install a couple of swings on some large oak trees in my tenants backyard but asked them to sign a hold harmless in case one if their kids fell off and broke an arm.

At that point, you'll have a digital asset in the right place (Google Page 1) at the right time (when someone desperate is looking for help).3.

High level $200k for a $36k gross return is a low yield..however I think there are a few variables..with 35% down you should be able to get stronger lending terms, if the seller is workable you could entertain a concession towards a rate buy down for lower obligations, possibility to look at shorter duration (ARM) loans if you only intend to own 3-5 years which could also offer a lower rate.

Your rate would likely be in the 5s if you do not check all the boxes.Since you seem so adamant on rate, you might want to get an ARM.

For example, I put ads on digital billboards here in Tacoma.