May even be better off now that my CS is in the mid 700s from paying down these cc debts

That is where the DTI impact comes from, not all income divided by all debts...A quick simple example:You make $4K/mo and owe $1K/mo in payments for car/CC etc.

I have only had a couple of situations where I have run a BG and CC on more than one applicant and in those cases I have refunded the cost to the applicants who did not get the apartment. 

ThanksAmod Sell it.  370k in equity, minus CC is at least 300.  300 as a 20% DP = $1.5M in PV (not 410k). 

Imagine if you could opt out of late cc payment reports?    

They will be able to approve plans for an ADU regardless of the coastal commissions objection or they would know what the status would be of any CC stoppages. 

Another point you should consider with Cozy is that if the tenant paid with a credit card, they have 60 days to call the CC and claim "Unauthorized payment" in this case Cozy will refund the money and you have to take a costly legal action.

I am currently looking to purchase my second out of state property but this time in Milwaukee Wisconsin as the current market that housed my first out of state rental has become fairly overpriced for my current strategy to work (Purchasing single or multi family rentals in C/C+ working class neighborhoods that generate around 14%+ cocroi) (i am not super concerned about appreciation..cashflow is the name of the game for me)).  

Has anyone accepted cc payments for rent?

The bank will give pay off your $50k in CC debt and $50k cash to buy your next home and go on vacation...in two weeks for the same housing payment and save you $2500 per total!