Try getting a business credit card as well so you can keep personal and business separate. 

They are closing the gap, and usually offer bill pay, online transfers, mobile deposits, and the other things you would expect.I do highly suggest Amex for business credit cards.

all paid for with cash.no credit cards. no school loans owed. when we shopped around for rates on a mortgage in May, 1 broker said to me twice, "you mean you really have no debt except for your mortgages?"

My current employer is sponsoring my green card application, but the whole process will take another 4 years to complete.

An installment loan can help build credit you never want to "Pay off" credit cards or loans if you do not have to because it builds your Fico scores.

It does seem like a bit of a wild card, especially in a quiet neighborhood like yours.

I also have credit cards that I can turn into cash, but the interest rate is an issue.I just don't know what the right move is to get that cash and keep that rate.Am I missing any other strategies or ways I can gain that capital at a cheaper rate? 

I probably wouldnt have a debit card to it either.....

It just wasn't in the cards for us.

I think that the assumable mortgage is the ultimate trump card for the house-hacker in today's market, and it is where I'd be looking if I was getting started in real estate today.