I have a lot of bank accounts and credit cards and it seems impossible to keep track of everything.

Here's the breakdown of rental income and expense analysis:1.Annual Gross Income: $25,800 (Monthly rent of $2,150 x 12)2.Annual Expenses: $25,800 * 0.40 = $10,3203.Annual NOI: $25,800 - $10,320 = $15,4804.Annual Debt Service: $10,680 (Calculated previously using a mortgage calculator with a loan of $131,775, 7.25% interest, and a 30-year term)5.DSCR: $15,480 / $10,680 = 1.45 (approximately)

The main factor is will rents cover the debt liability and can you sustain 3-4 months of no income to cover the debt? 

You can always leverage rentals within their ability to service the debt. 

They are business CC but I don't use them anymore and would rather use cash/debit cards.

And keeps you out of any trouble with debt.

But somebody could use a credit card fund the immediate need and then pay it back with the policy loan fairly quickly.

I had to cancel my credit card at CITI just to stop the fees.

I’m not entirely sure I’ll ever be able to get her on a mortgage because she’s just so adverse to having debt.

If you're refinancing six properties, bundling them into a portfolio loan might help you consolidate debt, reduce rates, and avoid individual property issues like this.Negotiate Closing Costs or LTV with Kiavi.