The obvious answer here is to somehow get some income and start paying down the credit card debt. 

In other words, your renters have covered a majority of your costs of ownership this year, including covering your debt, and you have to put some additional money in, which raises your cost basis.

My second question is do I get a more energy efficient and raise rents but now include heat in their monthly rent?

Does NOT mean you will NOT cashflow right away but most of the time in San Diego you are buying to ADD value, raise rents and finding other opportunities to raise your cashflow like; add AC, laundry, storage, etc. 

Your credit limit on an unused card will not generally affect your scores.

However, this structure provides two main benefits: 1) I don't have to build a big marketing machine to raise money.  

The way they raise, they are all Male. 

But 3 years ago try to raise money and give returns on paying 100% cash, investors would not do it because the IRR s were not competitive to the max debt operators but we see the outcome..

Here are the key themes I'm seeing get set up for 2025: Interest Rates Will be Holding Steady or going up: The yield curve (finally) uninverted this week, when the Fed signalled they will be more cautious about raising rates.

I use Stessa for accounting, I love it, it links right to my bank account/credit card accounts and I can assign purchases to different properties and units of the property for multi-unit properties and at the end of the year I have a simple report to give my tax professional