@Blake DialsDefinitely set up a separate bank account with a debit card and a credit card.

It links to your checking account and credit cards. 

(Everything says "Self-Reported")However, I see that within last 1 month they have applied for more then 7 credit cards.

You probably don't need a partner on your first buy if you play your cards right. 

If these have been great tenants with zero payment issues for over a year I typically give them a one time "get out of jail" card for a single late payment....one time only.

As an example, could the coffee shop offer them a discount (that you would pay or not) by showing some kind of card?

Quote from @Ko Kashiwagi: Quote from @Bob Stevens: Quote from @Ko Kashiwagi: Hi Anna,Are you investing as a foreign national (with visa, Green card or ssn)?

In any case, we set up the date and time to speak with an attorney at which point he told me that it would be $149 and asked for my credit card information to complete the appointment.

Main Account - Checking account to set up transfers or draw money from for mortgage, insurance, taxes, etc. and I get a Baselane debit card (physical and virtual)2.

One objection that is common now a days is the first mortgage rate being low and the home owner not wanting to lose that low first mortgage rate.The other objection is they want to use the Heloc like a credit card only making a payment on the portion that they use rather than the full amount.