My purpose is to collect rent online, bill automatic late payments, track maintenance request, track expenses, generate reports and receipts.

Italy is currently a worst case scenario and US is currently on track for that due to people who aren’t taking it seriously. 

One of my first homes was a complete wreck backing to railroad tracks where I brought my dog with me to any showings, assigned to me because my broker couldn't get any other agent to work it. 

This often led to conflicts (you can go to youtube or google to see how it goes).So as you already invested and are getting paid (and I really agree in the part you say that is reliable and honest people that live there because they have no option) I would recommend you to be extra careful and keep track of this first investment and the local situation before jumping in other deals.These are just my thoughts and the most important: If I can help you in any way (Legal or non-legal question) just let me know.     

The retirement plan will track each separately, so no need to worry about muddying the waters there.  

If my kitchen is on fire don’t waste 5 minutes tracking me down when the fire department could be halfway there already.

I am a newbie like newborn newbie, I have no experience in real estate( I worked as a real estate assistant for a short while but I was going to school for real estate and the hours just didnt work out) I have horrible credit. 

Depending on what we (the tenant and us) work out, they could be paying for back rent for over a year (many of our units are in a class C area where the tenants do not have much discretionary income).I find it unfathomable that people would consider evicting people financially impacted by this virus. 

It's all about your relationships, experience, track record or that of your partners and sponsors and the property itself.Raising big capital, like $20, $50 and $100 million raises is an art and a business.

We used Waveapps.com to track the liens which is a great platform.