Neil.Get a credit card and start building your credit for the next 6 months. 

I go to these events sometimes just to socialize with other investors and pass out my business cards.

Would each house need its own bank account, security deposit account, and credit card in this setup?

In a nutshell:Home needs major rehab.Mortgage is paid off.Has a job.Property is a 2 unit multi family and the 2nd unit is rented out and cash flowing.She says she has no credit history due to not using credit cards/LOC's at all.Says she has not been able to qualify for loans (HELOC, LOC, etc.) yet due to no credit history.The front unit, which she lives in, is in major need of an overhaul.

This is the first Fannie Mae financing.The RatiosI am wanting to build a fourplex and then refinance to own as an investor and even own one as owner occupied.If I understand it correctly - it works like this....1) New fourplex monthly income and expenses projected by appraiser Rents of $1500 each unit Taxes at $1060.00 Insurance at $120.002) My gross monyhly before tax income $8500Less my debts (credit cards, loans, cars etc) for first level.

Check, money order, cash, ACH, google, deposit-only debit card, whatever, get that rent to me and I'm happy.For digital payments, I have used Cozy in the past, which is great.

Debt first (assuming this is high interest or credit card debt) is the best first step as it is a high yield return on your money that is basically guaranteed after that you should decide how you would like to invest and learn to analyze properties, you also want to make sure you have financing in place before you start looking seriously just in case you want to put in an offer on something.

Not to mention (and YES< I'm pulling this card), that I have a very limited budget, have 2 young kids, and am 7 months pregnant dealing with this issue from the east coast while my husband works full time, me part time, while taking care of our children on a tight budget.  

I am in the midst of building business credit so I expect to have cash credit cards for my business by the end of the year.  

For example youre at a grocery store, someone sees your name tag or shirt or business card, mentions they may like to buy/sell soon and provide you with their contact info.