Monty, take a small amount of time to work on your credit daily.

Of course credit card is going to be like 3.5% but it does kind of such because it's already hard to get tenants to pay it lol. 

Take stock of your current credit score and accounts.

Quote from @MIchael McCUe: Money isn't easy to save and $10,000( my debts) is a ton of money I want to save for a downpayment, I'm just starting so I don't have any money I would like to save $60,000 to buy a rental property, I think I could do it in  5-6 years, my brother filed bankruptcy and they relieved him of $6000 in debt from cash money.a list of my debtGst Hst Tax 4500 income tax from working with my dad I oweScotiabank credit card 1400Canadian Tire credit card 500cash money loan 2400Belair 600echelon 600should I pay the 10k back in the next while or should I file bankruptcy like my brother as It won't be for years until I am able to get a downpayment for a rental house anyway.Here are the negative consequences, in regard to real estate, of filing bankruptcy1.

. - I will ding their credit such that all credit cards and other debt will cost them more.- I will keep their security deposit for funds owed.- I will do my best to garnish future wages until their debt to me is paid in full.This has worked 100% time so far.  

At the moment with 3 rentals (6 total units), I have one account and a credit card associated with it.

Keep your payment at no more than 35% of your income and minimize your credit card and auto debt.  

It may or may not show on a credit report, depends on the servicing and you should have the loan serviced.Failure to include the debt on a future loan application is mortgage fraud, wanna go to jail?

Can you pull the cash off the business credit card?

Seller financed (probably) won't be reported to the credit bureaus and so won't impact your credit score at all.