For rewards-focused credit cards, Capital One or Chase Ink (I use this one, among others) might fit your needs.Hope this helps narrow things down.

Since your goal is lowering monthly payments for better cash flow, it might be worth focusing on reducing expenses elsewhere or exploring other investment strategies.

Originally posted by @Glenn McCrorey:BP brothers and sisters,  I quit the last job I will ever have today to focus on RE investing. 

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

Focus on learning about them, personally and professionally.

Right now, I’m focused on breaking into multifamily properties and building connections with investors who share the same drive.

Focus on the big moves: security, renovations, and cutting dead weight. 

Each year we've gotten better, and 2024 was a great for us with our main focus being the client experience. 

Maybe sit down with a good cup of coffee when you can really focus on it.Good Luck!

Already, it's pushed out-of-town investors to focus on student housing where GC has less of an impact.