nope, the moment you pay off your car the account falls off your credit all that positive payment history stops reporting your score will drop. get rental while your auto loan still reports. lender like to see a health mix of accounts on your credit.

Forget about putting things on auto-pilot and never needing to go there, it ain't gonna happen that way.

(TLDR: Max DTIs dropped by 7% even if Fannie/FHA would in theory have backed the loan with the higher DTI, low FICOs auto-rejected)“Now, many of those companies say they are in desperate need of a bailout to stave off bankruptcy and a potential collapse of the U.S. housing market.

So if you have your car payment auto-drafted from your checking account, that is an ACH you (or the auto finance company) set up to do it. 

Some might also suggest auto body filler - it gets exposed outdoors to the elements and remains hard. 

I own one rental property that I came into by accident.

Some modern property management support auto bookkeeping and rent payment.

I have attempted to secure a HELOC loan to consolidate debt (credit card and auto payments) but my credit is near 650.

I manage the properties myself, and in most cases, I perform maintenance and repairs myself.Since I am the manager (of property and LLC), am I correct when I think that if there is an accident on one of my properties that could be tied to a theoretical maintenance issue, like an electrical fire or a broken step, and tenant sues, tenant's lawyer will come after me personally as the property manager regardless of the LLC?

Umbrella policies provide EXTRA liability protection for existing liability policies, such as home, auto, rental, business, etc.