.), utilities, TV/internet, landscaping maintenance, marketing, credit card fees, lodging taxes, etc.

I personally have used Chase business checking and their credit cards that offer 15-18 months 0 APR.

I have about $300 on my credit cards (just finally paid them off for the most part, and have about $20,000 limit).My cash on hand is relatively light, but what my plan was was to find some single family homes in the north Detroit area (currently anywhere from $40-$60k and put about $15-20k tops into any repairs or fixes (not looking for total rehabs, mostly something I can do some small repairs here and there and paint, personally I am knowledgeable about renovating up until complex electric and plumbing).

Credit cards.

And with mailers, I strongly doubt that 100+ mailers (scaled to 1000+ post cards mailed monthly) will get any leads/call backs, let alone conversions.

The wild card in Philly is the Office of Property Assessment and their crazy assessments.

My understanding is that unless the borrower is pledging/securing your loan with particular and specified assets in a security agreement, you would be a unsecured creditor as far as the personal assets go, not much different than credit card debt.

One thing though , using an LLC makes you get Business Line Of Credit and also Business Credit cards which helps you scale.. you need to know though to manage good debt!!

(You would save interest on a car loan, credit card, etc.) 

In my opinion the best use of a HELOC is for short term needs like a credit card.