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

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).

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. 

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

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

Does paying with credit card, venmo, paypal etc.......still allow you to NOT SEND 1099s?

What is your roof goes, a heating unit.... you're credit card debt could build up quick as a result of this putting yourself in a bad situation.

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.

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.