As Warren Buffet has said: " When management with a reputation for brilliance tackles a business with a reputation for bad economics, it is the reputation of the business that remains intact." 

Local banks can get over the experience portion for stabilized multi-families if the borrowers have strong financials (both income and capital).Congrats on being a young investor and tackling a good sized deal.

It feels good to reduce the number of cards with a balance such as tackling the one with 90%, but consider tackling/ overpaying your accounts with the highest interest rates first regardless of balance utilitzation %.

Why America is afraid of tackling this issue is both sad and disconcerting.

If you have the time to tackle these questions, would be much appreciated!

@Chris Christianson Thank you, I was hoping to hear from someone that might have tackled a similar issue.

@Charles Moore- This is great information... this was on my list to tackle as I've been looking at out of state investing.

I prefer investing outside of CA but unfortunately I'm not knowledgeable enough about other states to even tackle investing outside my backyard.

Lead paint may be more than you want to tackle for a first project. 

There is so much to learn, so I'd fear that you would be trying to tackle too much if you don't focus on one specific area.