You might think I'm mad to mention this, but I "walk the dog for dollars".Sounds strange, but if you're interested in a subdivision, you see far more when you walk the dog.

Get these people on a Skype video call before even talking any money and a copy of their drivers license.

Taking those steps keeps you in the driver's seat. 

The tenant either ignored or didn’t see the email, provided her drivers license, and it all went through very quickly.

Outside of that, probably your next biggest time driver is appraisals.

I have also started listening to the Mad FIentist podcasts and have heard some really great content there as well. 

If the driver is a real estate investor, each victim sues you for a million, they'll come after your home, then all your rentals, i.e. everything.

You're spending a lot of unnecessary time reminding them of something they already know, which increases the chances of you making them mad and making the situation worse, not better.Your tenants are new so they understand when rent is due.

I’ve been watching their madness for decades-it seldom is a frontal attack on the masses but usually hidden in the details of some legislation. 

They agreed to be the back up so they will not be mad at you but mad at their other co-signer.