Yes some banks offer alternatives in order to upload documents but even at large insitutions they request items emailed.

,You'll find BP treats this question like politics & religion; there's no right answer because it depends on factors very personal to you, which fuels the perpetual battle of risk vs return.What value do you realize by paying it off? 

Your alternative is to refuse.

I make the loan payments and buy fuel for a guy's riding mower. 

Alternatively, look at Tellus free smartphone app/ PM software which basically incorporates Naborly screening along with tenant maintenance/ communications and free ACH bank payments.

Just make sure any vacation rental property you buy you have an alternative hold or exit strategy in case vacation rentals are no longer a viable strategy.

In the meantime, deploy an alternative strategy.

Alternatively, you can also get a FIXED he loan.

That may mean going for a different market, and/or alternative asset type.

I've already offered a month free rent to get them to leave, because the alternative (hiring asbestos abatement, asbestos consultants and crap) would have been much more than the rent.