In my area all of these except taxes can be paid by cc.

You put in $150K, so that's like 20% C-C?

To do this establish your credit now with a student cc and you will get a credit history.

I’m being told by my rep that they have changed their structure and no longer do CC stacking to obtain funding.

Then you can get your own financing (private money, HML, banks, CC's).

The good thing with heloc is that you rotate the money as a CC.

Also, make sure you will be able to get cash value out of the refi to pay down the CC. 

I am currently working on getting my CC debt paid down though I have a good Fico score now.

And generally it happens when investors realize their cashflow is trash because their numbers were fiction to start with and then they branch out into “education” because in that space, there is only one number that counts and it’s “how many can we stuff into a room (these days zoom call) all at once with ~$3k room on their cc”.

Cc yourself on your emails.