I have taken all my taxes and insurance out of escrow, and I run them through credit cards to rack up points, so I pay a lot of bills every year.3.

Hard Money Loans: These are short-term loans from private lenders based on the property's value rather than your credit score.

You can write off everything still, its actually better if flip takes more then a year as you can make it look like a long term capital gain, need a investor friendly CPA who isn't afraid to do what gets you the lowest tax payments. 

Insurance, bank accounts, credit cards, etc.You are probably making your life more complicated and expensive than it needs to be.

They assist investors in preparing necessary documentation, such as detailed project proposals, financial statements, and credit histories, which are crucial for persuading lenders.

Leave credit cards at home in the freezer in a bag filled with water that has frozen over....lolAmazes me how many people fall for these types of programs.When I buy NNN properties either my buyers wanting to own direct and I find the property or whether they are accredited LP investor on my syndication deals they learn with me while they INVEST CAPITAL to own fully themselves or a piece of the deal. 

ACH transfers are free, but if a tenant wants to pay with a credit card they will get charged a fee.

Inspections may cost more upfront, but they can save you from significant headaches and unexpected expenses down the road.Negotiate Hard: Use inspection findings as leverage.If the HVAC is near the end of its life, negotiate a credit for its replacement.If the cast iron plumbing is deteriorating and needs replacement, ask for a credit as well.Sellers often prefer negotiating credits over doing the work themselves.To give you an example: I was once under contract for an old house priced at $170,000.

Next we utilize mysmartmove.com for background/credit report.

Because if I use my credit card to pay for a pizza, I pay a $0.00 fee.