I'd like to share how I use the Lightning Network (LN) to stack efficiently.
My use case: be a frugal stacker with very low expenses, and a regular income from my personal business (room rentals). Keeping expenses far below income, with aggressive stacking as the result. Tenants are asked to pay rent in bitcoin, stipulated in the rental agreement (flexible though, it can take time to set up on-ramps for newbies. Fiat payments OK in the interim).
Tenants are recommended to sign up with Strike or River Financial - these have the lowest fees for buying corn. Strike ~ 0.2% spread (basically free), and River is free if used via automated monthly purchase, or 1% otherwise. Rents are monthly and can be automated for zero-fee buys on River. ID Verification process can delay onset of bitcoin payments -- use fiat in the interim and stack nonKYC with Robosats.
Regarding nonKYC privacy for tenants - new nocoiner tenants may struggle with jumping directly into Robosats for buying nonKYC corn, and would need Strike for Robosats fiat payments anyway (Strike is more reliable than Zelle payments), so start with Strike or River for tenant payments. Tenants can pay monthly to either on-chain address or LN invoice (Strike and River support both).
On my end, the crux is inbound liquidity, for a frugal stacker with little expenses creates almost no outbound flows, only inbound each month. Household expenses in my case are covered from other fiat income (Job, Disability, Pension), leaving rents almost entirely for stacking/saving.
SOLUTION: Open large, paid inbound liquidity channels with LNBig, or Deezy.io, etc. Larger is better (0.1+ BTC inbound liquidity, 0.05 minimum). Collect rents via the LN invoices, paid by tenants from Strike or River. LN transactions save on withdrawal network fees, and are much more rapid. Save thousands of sats by using LN in this way.
Fees paid when opening the large inbound channels pay for themselves because the channel can stay open indefinitely, especially when seeing regular, monthly use. Pay once and use forever (ideally). Large channels cost less percentage in fees than small channels (as low as 0.2% or even less. Deezy seems the cheapest). You can collect rents for 1 or more months, depending on size of channels and your rent income, without network fees.
As channels fill up, then swap-out to on-chain cold storage as cheaply as possible. Coinos has been the lowest fee alternative I've found (~0.1%), followed closely by @myloopoutbot on telegram. Like in buying channels, swap-outs for large amounts save on fees. Caveat - making huge swapouts could create liquidity errors for the swap service. I haven't run into issues yet, but it's possible. Alternatively, you could swap-out every month or break large swaps into two transactions.
RESULTS/BENEFITS: You enjoy rapid incoming payment transactions to your LN wallet, save thousands of sats on network fees for the small expense of one cumulative swap-out (~0.1%) every month or few months, and you reduce network congestion and are minimally impacted by it. Your privacy is also enhanced by receiving incomes via the Lightning Network.
If desired, your one large periodic swap-out can be made with a higher network fee for rapidity, and it's still a minuscule fraction fee of your total swap-out amount. Once channels are emptied, repeat for gains and hodl.