Coastal cities like CC and Houston/Galveston are still around because it's nothing new to us and we know how to prepare.3.

I use a hard money lender but for down payment, I use a business line of credit and for rehab, I use cc funding with 0 %APR

CC to be used exclusively for property.2. open separate checking accounts for deposits and ongoing balances in personal bank account. auto payments (rent, utilities, mortgage payment) and deposits to/from checking account. open rewards credit card (ie. southwest) to be used exclusively for this property. ( will have about 6k in upfront furnishing and upgrades costs). 3. one of the above options but CC pays all bills (rent, utilities, mortgage payment .. not to ever carry a balance) and checking account receives all deposits.4. one of the above held within a bank account separate from my personal funds. 

Most cash flow will be in B-/C+,C, C- areas though.

I don’t see anything in that specific neighborhood that lays a solid foundation for the next step of development and sustainable growth. 5 bus routes and a trolley route that get you into CC, U City, Fishtown, W.

If you aren’t paying the CC balance down below 5% before the statement/ reporting date, that is at least part of the problem.

In this case you could take a CC to pay upfront 25% then use the renovations loan to bring house up to median ARV and refi to pay off credit card.

Never bought or sold a note but...Years ago while busting my knuckles, never taking a vacation, driving a POS truck, chasing rents & racking up CC debt I met a wealthy older woman who had only dabbled in RE.

That is why I used a CC anticipating a situation like this.

If you're talking about CC debt and low credit scores I encourage you to correct those issues.