It's like flash cards for fast learning.

Personal loans through the credit card companies can be approved and fund very quickly and my best rate is 7.9% so shop around as some are much higher.

And a few from 0% interest for a year credit card loans too.

I wasn’t late on one credit card payment.

It doesn't have to be 4%, but it also shouldn't be 18% like a credit card.

BTW there is a free trial and the Starter monthly plan is $119.It also allows you to search through consumer information such as property owner "credit worthiness," Credit card usage, buying power, age, language, family members in the house, and many other fields that are above and beyond property characteristics, which is unique.

I also use their virtual credit cards which enables me to assign a card to a specific person, like the cleaner for my STR for example, so when she runs a charge, it automatically drops into the right account in terms of categorizing my expenses.

Some will be ok in 2nd position and some will not and force you to refinance out the first - but those are options that are probably cheaper than credit cards 

You may just stumble into seller financing if play your cards right.

FYI, it has a free 30-day trial that has all features and doesn't require a payment or card to start using.https://www.rentalhero.io/