I'd take 20 year since DP and CC is less

We offer 4 different payment methods to our tenants: Online ACH via our PM software (no charge) Deposit @ our bank ($3 charge) Credit Card ($5 + cc fees) Mail ($10 charge)Notice we charge a fee for the less desirable options to encourage the behavior we want:)

We pay the CCs on the due date, in full to avoid interest there, but for the 30 days the balance is on our CC it is interest free.

Should I apply for a bunch of cc's and use those?

If the categories were fixed so you could manage your purchases better it would be a much better card.Vantage West Credit Union CC lets you pick a 5% category that does not rotate. 

I put an offer already using my name but am in the process of creating an LLC, ASAP.Q3: I was hoping to create a business checking, business CC, and hopefully business LoC as soon as I got my EIN.

Remember that these are the same people who would happily lend you $ at 29.9% on a CC and have you in debt for the rest of your life.remember that these are the same people who would happily lend you $ at 29.9% if you'd go for it

Also, I would be willing to consider banks/cc outside of MA, but they would have to make loans in MA.

They have payment integrations that allow your tenants to do direct withdrawal, online CC payments, and they can also go to Walmart or other retailers and pay with cash or check and it gets deposited into your account and best of all it’s applied directly to their account in the software.

this is friends family and or CC  project.