I think it's a good idea.First, it is opt-in by the tenant.It allows the tenant to pay electronically.I am assuming that when it is paid, Experian records the date of transfer and compares it to something that have on file as the "due date" or equivalent "window".And, the tenant gets "credit" for the payment (made on time).If it's paid in cash, well, then that defeats the entire purpose and this service wouldn't apply.

If I adjust withdrawal form LOC because of those variables then it defeats the purpose of consistency. 

I get where your coming from but the point of an LLC is that it keeps the asset protected from all others so in a sense the holding company is just a formality for tax purposes since an s-corp would be attached.If you do a separate llc for each property without a holding company then you would have to make a separate s corp for each property which wouldn't make sense as that defeats the purpose of the s-corp thus the reason for the holding company.

And that one was put on the market and bought in less than 24 hours at a price I couldn't even touch, and came fully rented with leases intact (defeating the house hacking option to begin with).

That defeats the whole point.

This would have been very helpful in defeating my fears. 

Commingling personal expenses totally defeats the purpose. 

For STRs, I prefer no leverage or really low leverage(10-20%) to defeat the volatility in bookings.  

I've talked to a couple banks and most wont lend to an LLC because it's too risky.I do know that many people will purchase a property and then trasnfer title, but this would defeat the purpose because evertyhing is still in your name financially. 

But I will not admit defeat!)