I usually suggest new property owners setup a business before they even close on a property and then use a business credit card for all expenses moving forward and also for them to link it to Quickbooks so everything is automatically tracked for them.There are a lot of nuances and strategies but this is a 30,000 foot view of why you should opt for business>personal

Much easier to delude one self into purchasing a "mentorship" program for $30,000 or more ("put it on your credit card; you'll make it back on your first deal so it really won't cost you anything") and believing that after a "3 day boot camp" you'll be able to compete successfully with people who have the education, knowledge, experience and track record and have been doing it for years.  

Lastly, finance the rest on a credit card.  

I don’t have any credit card debt but I have several other bills that are like utilities that are getting past due and I am literally flat broke.

I've heard in the US, you could get a credit card from home depot and there was no interest for the first 6 months.

Is it a better option to put that $30,000 car on a credit card and pay it down over 5 years or get an auto loan on it that amortizes over that period?

Furthermore, the only way I can pay him is giving him my credit card info over the phone....he has no online payment portal.I still owe him for the inspection ($435) and am hesitant to hire another inspector right now.

Last year, however, life threw me a curveball in the form of a serious car accident that left me with multiple fractures and depleted my savings and credit cards.

Here are some of the highlights: quickly set up bank accounts for each property and sub-accounts under those for things like security deposits and CapEx; virtual credit cards tied to each property; quick transfer of funds; ability to send money back and forth to tenants (some platforms are for collection only but won't let you send your refundable deposits back to your tenants); easily categorize every transaction into IRS Schedule E categories for reporting taxes; ability to split transactions; tenant management from vetting to drafting lease agreements to collecting rent.

It just costs you to change out your business cards and signage really...Good luck.