I get calls, texts, cards and letters constantly on this rental.

Instead, you checked out through Stripe with a VISA card ending in 1372 (expired).

Maybe with automatic payment stuff and you can request changes to your credit card due dates, you can take as much advantage of the float. 

I see 3 days ago a charge for a whopping $390 was charged from BiggerPockets to my card.

The more complicated your business structure becomes, the more problems it can actually cause such as when looking for lending options, getting the best interest rate, keeping clean accounting, filing taxes, opening bank accounts, getting credit cards, executing a 1031, making title insurance claims or even triggering a due on sale clause, etc. 

BK is a WILD CARD.  

Since living here I’ve put in a new HVAC in both units and kitchen into one unit, I’ve max out my credit card, and have had my parents help me.

I personally like the credit card balance transfer check route, since it's interest-free for a decent amount of time (aside from an initial 3.00% fee). 

Vito - Have you checked to see if there is an I-card for the property on the HPD website? 

After I got good at pulling leads that work, I can switch that ratio and spend $3 on leads and $7 on sending something to those leads;  post cards, sms, rvm, cold calling.