Looking to knock out all credit card debt early next year and rebuild the 6 month emergency fund.

The 14 day trial requires your credit card information.

Your credit score needs to stay relatively the same from application to closing. 

I suspect the builder has crappy credit and can't get approved on their own.Also, as a former banker myself, local banks aren't generally interested in financing new construction on this size of project or a builder that doesn't have extensive experience in these type of builds, in my opinion. 

The bank will want you to be working for a certain amount of time and that have certain credit score plus have your financial ratios match what they want. 

Suppose you have $46,000 mortgage at 8% interest on restaurant, $22,900 SBA loan, $3,900 at 1.75% interest on a microloan, $23,00 on temporary 0% interest credit cards all for the same business totaling $95,000 in debt. 

When I look for my next property, I work on cleaning up credit, so my scores are as good as I can get them.  

We're wondering about various what-if's though, such as what if the people tear up the place, what if we don't want to rent to someone in particular due to references or credit or pets, etc.

Quote from @James Kerson: @JD Martin There are legal and practical factors militating in favor of keeping guided tours, no question. 

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.