Consumer credit card debt is at an all time high and families are struggling to stay afloat.

I literally gave him my card after and said "call me when you need to sub this out.

You can create all kinds of leverage for yourself as a buyer if you play your cards right. 

I also have virtual credit cards assigned to the various properties.

Unlike a cash-out refinance, you pay for the funds as you go and it functions as a credit card (rather than a mortgage), giving you more flexibility over the funds secured via your house and is potentially cheaper than a mortgage since it is not amortized.

I am rookie investor who has not done any deals yet.

As you focus on what you can do for others  opportunities will present themselves to you.For networking try the biggerpockets Facebook groups , try meetup.com, the real estate rookie Facebook groups and any wholesaling groups you can find.

We agreed for him to rotate some of his art in and out of our house, up to 20 pieces at a time with his business cards. 

It's a great way to build a house of cards by borrowing yourself into a corner though. 

You guy made those changes and the premium went up more than double and you charge the customer credit card automatically.