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Why does FlagStar Bank harass you about payments within grace period?
They call you because that is their business rules. They want their money, so their system calls you starting on the 5th.  Now you have to decide what you should do to stop this. The most obvious is to move the payment date to before the 5th. Yes that does put you at risk if the tenant is late. But since it is only one of the 4 properties you own, it shouldn't be that big of a risk.