You have to charge her what was left of the lifespan. 

Charge application fee.

Enter charges to the tenant's ledger.

I have 2 other monthly loan payments I would like to pay off or lump in with my refinance as I believe with the forced appreciation and normal appreciation I will be able to pay off most my HELOC (5.99%) and all of my Credit Card that is currently at a 0% APR until end of May.

Together we make about 120k-ish and as were doing this, were actively paying down our credit card debt which together is about 20k at the moment, just fyi.I feel like this is a solid plan, but I'm not too big headed to admit that I don't know everything.

As far as the business card is concerned, to me personally I think having both things on one business card is acceptable .  

All the add-ons are a la carte so you can definitely get a lot of value based on what you need.One thing I personally don't like is that when tenants pay rent, they are charged $1 per transaction for ACH use.

I prefer to have the least amount of banks as possible.Create a bank account that you already have a relationship with(Credit card or mortgage)The least amount of bank accounts is also ideal.

It will auto download bank and credit card transactions, give you reports by account, category or property in any form you want. 

Quote from @David Ojo: Hey @Emmanuel Ola, you can get up to $90k in 0% business credit cards for 12 months.