They are business CC but I don't use them anymore and would rather use cash/debit cards.

The wild card is RISK.... if you pay off your primary, there is no risk Use it to buy rentals or other investments, comes with some risk.

Like much of real estate, it looks a whole lot better on a spreadsheet than it does in real life.It works at scale or with a lot of experience, but you are kind of building a house of cards needing everything to go right in the beginning. 

Then again, I am that rookie investor that has a TON of questions all the time.

I’ve gone back and forth on doing grocery cards, gas cards, or restaurant cards and feel the discount just works better for me.

Doesn't every rookie investor? 

I seem to remember that I didn't even have a business card until then either.You are VERY late to the game to be making these decisions. 

We got a small drop last month but nothing worth bragging about.I was thinking of doing a refi with dropping rates but doesnt seem like thats in cards currently...Thank you The bond market happened.

My wife and I use something we call the "One card" that we learned from another Memphis area investor.

buy it on seller financing and (not recommending this to anyone else) put the rehab budget on a 0% credit card.