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

Well it is doing loans for folks who bought sight unseen and trusted contractors/turnkey providers who sell the dream but in the end do the absolute min in rehab work (even though charge for a much better job) and/or sell a buyer on a class B type neighborhood that is  reality a class D neighborhood in an already low income town.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

We pay Lightning Docs a $500 annual fee and $500 per loan, which we charge to our borrowers at closing.

Beware most property management companies charge between 15-25% of gross revenue, which makes it harder to be profitable.

The company is looking at charging %25 which seems like highway robbery.   

Seems a bit high on the exp ratio near 43% but we do pay a premium for our solid cleaning lady, she also stocks supplies, runs errands and other duties for no "extra" charge.

Caution:  Personal credit card financing is a huge risk and good luck finding 0 percent interest today.

Tell him that you are running out of funds and you hadn't planned on the extra 20% he's charging on each bill. 

So, once more, please clarify how many lenders we work with and how much we charge for them to buy our leads (hint hint, there is no answer here as this is not how we work).