It seems by the looks of it cozy makes the tenant setup an automatic debit, instead of whenever they want to pay that month?  

I call the company main line to ask for the employer, not the cell number the tenant supplies.I also ask for other information on the application form, pets, number of occupants, landlords, vehicle information, employment, salary etc...then I have a clause in the lease that binds the application form into the lease as an addendum, and stated that any incorrect information given on the app form is an automatic lease default.

There are a lot of missing details in this scenario but many options exist to file taxes yourself through Turbotax, H&R Block, & much more....Usually these sites will automatically transfer your details from the federal to the state you are filing and that saves a lot of time.  

However, if the contract was broken, the repayment would automatically kick in.

Any construct that necessitates using a portfolio lender is automatically too expensive in many cases.

Schedule the bills to be taken automatically from your bank account as you should not have many, if the tenant will pay for all utilities.If set up correctly, this should be easy, if you think it's too much work, then you can hire a property management.

Automatic from landlord's end, easy and free on tenant's end.

However, it is quite interesting that they are one and the same, so should have been wiped automatically.  

(The equity field will be calculated automatically.) 3.)

PA is not a communal property state, one spouses assets do not automatically become shared with the other spouse when married.