If you have credit card debts with high rates/high balances I would focus on paying it down to 15% to 30% Max balance to credit limit ratios to lower your DTI - Debt to income ratios, increase credit scores and be in a better position to buy more properties at a lower mortgage rate.

The next man who says Prius loses his man card for 3 days.

I do think more people would go with them if price was a little lower cause they already getting half and many don't have credit cards or can afford monthly payments until first deal etc.I am going to join Friday .

Move to credit card only. 

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

Otherwise everyone with open and unused credit cards would never qualify.

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.