sometimes to reduce borrowing costs, I'll use a hard money loan solely for the purchase, and then pay for the rehab in cash or use a 0% credit card (I don't recommend that for new investors!)

Agree a conversation is in the cards but if anything it would be more than fair to agree to keep the rent flat vs any type of reduction (at least that's my logic).

I would forget about growing the portfolio and generational wealth until your husband finds a job and you reduce your credit card debt.Credit card debt has interest rates above 20%, there is a strong case that your rentals are not generating a 20% return.

Insurance, bank accounts, credit cards, etc.You are probably making your life more complicated and expensive than it needs to be.

Real Estate or ART or Jewelry or your kids baseball card collection.The principles apply to whatever you are buying. 

Credit Cards: If your renovation costs are manageable, using a credit card can be a quick way to finance smaller projects, especially if you can pay off the balance quickly to avoid high interest.8.

This also includes a few credit cards that are used for business expenses.

That is part of the situation where house hacking isn’t exactly in the cards at the moment.

You want a strong foundation that is compounding, not a house of cards with no base.2.

So I used 0% interest for a year credit cards to pay for cap ex things that popped up or a rehab etc.