(Your loan was for a flip, and presumably for a business purpose, which means the San Francisco Federal Reserve bank rate also plays into this.

What I am trying to get all my tenants to do (and most do already) is pay online. 

I'm preparing for my first local buy here, now that I've lived here for 2 years.  I am looking for a 4 or higher multi-family off the pennisula, or possibly a solid foreclosure in james island / west ashley for a shor...

Even though they are not required to do so, I’m sure the Volusia county clerk of site that leads you to the online auction cautions you that you may not receive clear title, you should consult an attorney, do your own research, etc. just like the other FL county sites do.

There are too many possible variants to play that game.  

I am also a part time college professor (I share this because I heard there might be a first time home loan available for teachers as well, but I couldn't find any information online).

I’m looking for a service that tenants can pay their rent online / auto payments.

Online or otherwise. 

So my tenant said "OK, if that's the way you want to play it, you're illegally running a rooming house, I know others do it in the neighborhood, put they respect their neighbors.

They have you send in pictures and they throw it up online.