I feel like there's a lot of confirmation bias out there from people who have done well for themselves, but I also think there are people with valuable experience that aren't speaking up because those stories are less sexy.

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.

@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 also a bit biased because our company (and many others) provide true instant results that you order yourself without the tenant needing to login and do anything other than fill out your regular rental app.  

It is well known the NY Post has conservative bias.

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.

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.

Here is the Seattle definition: “Discrimination” means any conduct, whether by single act or as part of a practice, the effect of which is to adversely affect or differentiate between or among individuals or groups of individuals, because of race, color, creed, religion, ancestry, national origin, age, sex, marital status, parental status, sexual orientation, gender identity, political ideology, honorably discharged veteran or military status, alternative source of income, participation in a Section 8 or other subsidy program, the presence of any disability, or the use of a service animal by a disabled person.