I'll send you a DM on a recommendation for a law firm a lot of our clients use.

What if you turn on water and it goes everywhere.

I wish I had another work around for you, but I actually stopped using my business CC all together just to avoid the PITA "hacks" they offered as solutions. 

When you add that: "The downpayment and closing costs would be one large hurdle"; I can't tell if you can only afford to do this once (thus tying up whatever you have saved) or multiple times.  

I'd also add to that that you are paying a 20% withholding tax on gross rental income. 

Most importantly, they are disrespectful and bad business people.

I always loved having an HELOC on my primary residence as the answer for me. 

It's all about Value-Add.

Depends on the brokerage you have, but the one we use currently has a rate at 5.83% at 50% LTV.

There are really good value add plays in some of these areas and reasonable entry points.