For the two years prior she worked here as an au pair and after we got married she received her green card and got her first job almost immediately.

Funding renovations with your credit cards can hurt your credit score too.I'd recommend either using a broker who can do both loans, or talking about the scenario and getting pre-qualified with your refinance lender before you buy anything.

I'd love to buy lots of 20% Cash on Cash returns in A neighborhoods, but that isn't in my cards at this point.  

I have heard that if you have a property under an LLC, you should definitely have a separate business bank account and credit card for each property but not sure if I should already do that when the property is personally owned.

Some bills that had been on auto pay maxed out a card.

So if I liquidate money from my business credit cards and open a forex brokerage account and pay for a trading bot, is the money i use to pay back the credit cards and trading bot taxable?

PS most states have a small boy girl carve out IE as long as you dont hold yourself out as a lender and do no more than a few a year your exempt but if your have a business card  Jay lends money and you do a a bunch a year and your obviously in the business no matter what you call yourself you have to follow the lending license requirements.

I also control the bank account so I see every check that gets cut and every debit card purchase.  

There was a promise of 1 free month and 40 post cards.  

Would you stay in current unit get a credit card and furnish the other unit?