That's a house of cards ready to fall down fast. 

I have taken all my taxes and insurance out of escrow, and I run them through credit cards to rack up points, so I pay a lot of bills every year.3.

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

The market was very favorable from 2012-2021 for this type of thing, but eventually I would think the house of cards they have built will fall down (probably starting now as I saw they have recently tried to sell some projects off at prices that nobody would ever pay, including one of my buildings they bought for way too much, which is still worth less than than they paid for it but they are asking way, way more). 

U know you have to live somewhere and you have to play the cards your dealt so for someone who grew up in Cupertino and lived in Palo Alto then the Napa Valley you just figure out a way..

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

Makes it easy to keep the cash organized as well as bills.You don't need a credit card but debit cards for each place makes it easy.

Leave credit cards at home in the freezer in a bag filled with water that has frozen over....lolAmazes me how many people fall for these types of programs.When I buy NNN properties either my buyers wanting to own direct and I find the property or whether they are accredited LP investor on my syndication deals they learn with me while they INVEST CAPITAL to own fully themselves or a piece of the deal. 

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.

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.