I'm thinking about using Cozy for ACH bank transfers.

Charge the tenant a "water transfer fee" up front that covers the fee.

You might want to consider getting a helping hand. 

We plan on buying more uptown units in the near future so it would be great to have someone on hand!  

@Simon Lopez most policies can only go to $1M in Personal Injury, hence the need to buy an Umbrella policy.Check around for a lower cost Umbrella as there are options out there with premiums closer to $350-$400 for a handful of homes.

@Jeffrey Bland thanks for the details, sounds like you have a good opportunity on your hands. 

Suppose Larry finds tenants on his own, and then hands off management to a real estate agent or someone in the business of renting properties. 

I have heard our goal should be to pre-screen so well there is no need to hand out more than one application per vacancy...if we remember to bring it.

If more than one conversion or plan rollover (not including designated Roth 401k account rollovers) was made to an individual’s Roth IRAs, the conversion/rollover assets are distributed by year, generally following the concept of “first-in, first-out.”The Roth IRA distribution rules can be complex if you have transferred Roth 401(k) funds into the Roth IRA. 

(If they do, it's then out of your hands.