My two cents, as a landlord, you have the legal right not to renew their lease.

I must be ignorant.

And taking more than 1 month deposit will soon mean that tenant must be given an option to pay the SD in installments (new city law passed this month). 

I'd have to strongly disagree that fully automating is the answer, perhaps in the world of high volume flipping where it appears you are involved would see benefit, but this business and asset class is way too emotional and much to "human" to totally get rid of that boutique service. 

They have not released any of my rent payments that they have collected.

Quote from @Jason Wray: Jada,When it comes to qualifying for a DSCR loan or any mortgage you must have your credit pulled and a "Soft Pull" just means the loan officer is pulling one (1) of the (3) major bureaus. 

I myself have felt more than a few times that my post must have entered a black hole or something.

To win these deals, you must have vetted, trusted cash buyers ready to close — ideally with multiple funding sources lined up.

Have you heard of Schlage locks?

This is what ChatGPT said about it.IRS Code § 831(b) refers to a special tax provision under the Internal Revenue Code that applies to small insurance companies, particularly “micro-captive insurance companies.”Here’s a plain-English summary:IRC § 831(b) - OverviewWhat it does:Allows small insurance companies to elect to be taxed only on their investment income (and not their underwriting income, or insurance premiums received).Key Features:Eligibility Cap:As of recent updates, to qualify under § 831(b), the insurance company must have annual net written premiums or direct written premiums that do not exceed $2.8 million (as adjusted for inflation).Election Required:The insurance company must formally elect 831(b) treatment with the IRS.