We get charged 3%, whether our renter pays from their checking account or whether they use a credit card. 

@Seth Lacey: It appears you have the cards stacked against you at the moment. 

loleven tried liquidating my $16k work tractor to get funds to refi.i already maxed my credit card on rehabs. self employed but net tax revenues are avg of $2500 month for last 2 yrs. but with 2 moves,  in last 6 months, and focus onto real estate less coming in. 

Send them Christmas cards.

Send a card?

I received my preapproval for 150k so I am probably going to not use an FHA and purchase out of state once I have a little more saved up.As for my credit, I always pay off the full amount on my credit card every month, and I actually have 2 credit cards which I never use.

My total bill last month was $2800 which put's me on track thus far for over 33k per year not including tax returns.I should disclose that I have another business that keeps me traveling pretty much half the year.Our Real Estate business operation looks like this:Property manager handles tenants and collects rents, he deposits all rents into our accounts and coordinates the rent roll with bookkeeping, they cut him a check for his gross collected rent management fee, bank statements are automatically sent to CPA's office for them to reconcile against business credit card statements, they also handle 95% of day to day financial operations from there to include paying contractors, setting up utilities, paying company bills ,bank deposits etc. for 4 and now 5 entities with the short term rental llc.We have a initial goal of 100 doors so I it's pretty easy to see this cost jumping significanly in the not so distant future.

I still have lots of credit card debt from when I was self-employed.

I did get quotes and have some cards from an affordable landscaper if they wish to go that route.  

Most of them seem to want to use a debit card rather than their routing and account number for automatic withdrawal.