In following Brandon Turner's advice, "Don't protect something until you have something to protect."

When there are already restrictions on evictions the tenants are protected to at least be housed for the time being.

But I definitely see what you're saying, making them pay via CC would add another layer of protection.

& wear steel toe shoes with tarsal protection, when a section of that stuff drops it hurts.

The point of the tangible NET benefit is to protect you from predatory lenders.

Protect yourself with the way you market it AKA 4 bedrooms, not 5.

As long as your returns are protected, you can go about this in almost any manner you'd like.Good luck!

Make sure you don't take partial payments (unless you're okay with that) or it protects them from eventual eviction.

(I prefer LLC for the additional protection against litigation/liability).

With that being said, if you are just starting out, and especially in the current market, I would shoot for lower to have that downside protection and to be able to present a really good deal to the end buyer.