But I use TurboTenant for the rent collection and lease management personally. 

When underwriting a property, assumptions related to its debt can have a significant impact on returns and valuations.

Also in Maryland a debt is good for 12 years.

What works for me may not work for you.Right now your only "problem" is that you want to collect rent online.

Find a job or two, get rid of those CC debts then save.

I would really prefer a section 8 tenant that is employed with little to no debt (that is in collections).

Obviously at 67 your goal should be to limit debt/risk but you still own quite a but free and clear so it'll be OK.

⏰This might be the most dangerous advice in estate planning.Here's what most practitioners miss: 📚While everyone focuses on the 10-year NFTL expiration, the IRS has a nuclear option hiding in plain sight.Under IRC §7401, the IRS can file suit in federal district court before the Collection Statute expires and convert your "temporary" tax problem into a renewable judgment lien lasting 20+ years.The timing game becomes Russian Roulette with a countdown timer.

The lender had a set period of time to file a claim with the court to collect anything and the date has passed.

Everyone knows the BRRRR method - Buy, Rehab, Rent, Refinance, Repeat.It’s built on the idea that leverage lets you grow faster.That worked great when money was cheap and banks were eager.But in today’s market, the same leverage that once fueled growth can quietly eat away at returns.Here’s an alternative I’ve been studying - something I call the Reverse BRRRR.It keeps the real estate, the cash flow, and the repeatability… but removes the debt treadmill.Here’s the basic structure:Buy homes in livable condition at a discount.