This is why some firms pay their employees by deposits onto debit cards, and then they can get cash via an ATM. 

Banks will give out credit cards, but they'll give you hell if you try to get a line of credit without being in business for 2+ years.

For minor plumbing repairs such as clogged drains, I have a credit card on file with my plumbing company and they schedule with the tenant and bill my card.

The unbanked can get a pre-paid debit card at walmart or circle K as long as the card permits ACH debits it should work.

And like @Marcia Maynard points out, a small token of appreciation (gift card) goes a long way to maintain the relationship.

Wild card: is there a middle path I am missing that would generate good cash-flow at low starting capital that works either while i still rent or takes me out of having to rent?

You use your library card number with the app and start downloading Ebooks and audiobooks.Darrell

We have had several credit cards opened in our names. 

I discarded Avail because of their requirement for a non-VOIP phone (I mean really), and Apartments.com because I don't really like their business model.My Comparison isRentRediPros: Very nice applicationApplication first means tenants likely have it on phone and get push notificationsBlocking Partial PaymentsMaintenance system seems ideal: Description, Title, and short video.Looks like Cash/Credit Card payments can be set up with no additional work on landlord side?

Also with a HELOC you don't need to take out a specific amount its more of a credit card you can just pull out what you need.