One criteria that was important to us is that they could cover our personal residence, autos, rentals, and umbrella.

Allows multiple payments for rent, allows for maintenance requests but does not auto notify selected vendors like Rentigo (that is a nice feature); text when tenant pays and when money is deposited.CONS:  not able to set up late fees; no mobile app (but web site is mobile friendly)Right now they both have +'s and -'s, but the lead right now goes to Cozy only because I have all the money in my account which is very important to this business.  

Plus, it would be so hard for mortgage and auto lenders to change their platforms.

@Erika Geoffrey, I am a local agent and investor in Utica new york. we are a small but growing citie of about 80k people with lots of new economice development ($500M Hospital, $500M auto chip manufacturing plant, as well as over 2M sqft of new WH and distribution space.I would love to talk to anyone more and discuss the opportunities here.  

When I posted my FSBO house on Zillow, it auto-listed on other sites, like Trulia. 

I don't have radiators or air conditioning...IndoorSmoke detector batteriesHVAC filtersFireplace sweep-outCheck toilet seat / seal tightnessDust / clean fridge coilsLint from dryer exhaust ventFlush water heaterCheck the fire extinguisher (expiration date)Check and redo grout / calking in showers / bathrooms.Quick flush shower heads and check faucet filters for hard water buildupTighten up loose nobs and handlesOutdoor / UnderClean guttersSiding & roofing eyeballCheck sump pumpLint from dryer exhaust ventTest garage door auto-reverse featureCheck window screensFix any earth to wood contact (damn you termites)Check trees for power line interference (PG&E will actually fix it for free if you call them)Annual trim up / sprinkler inspection & repairs.

Regarding the bank account number it is reasonable for them to want that for auto debits of payments.

It's the same as the auto dealers association fighting Tesla's model of not having dealerships - protection of their interests. 

Got owned by auto correct. 

Some do better some worse, Some are on auto pilot for awhile then go bad for awhile and vice versa.If you take a small sample like 1 property over a small time period it may be vastly different.