A thought:
I have rental property, All my Hispanic tenants, pay in cash. They may be on to something.
-PJ
My father-in-law owned an apartment building, and saw the same thing. Brother-in-law went and collected cash from the Hispanic tenants. Never any problem, they came up with the money. Father-in-law worked hard as a cook, then as a grocer, and my wife and her siblings chipped in so he could buy the apartment building. The rents allowed him to retire the grocery. After he passed, mom-in-law sold the building and had an easy retirement. They were used to doing as much as possible on a cash basis, and stayed away from interest loans.