They seem to look at it as the balance you have on a credit card - it doesn't increase debt if you're not using the funds.  

If Property B fails, it can impact Property A and the whole house of cards comes tumbling down.It's also hard to make the numbers work.

For example, you can upload a table of say loan data, ask it to rearrange the data with only pertinent columns and rows, map out the addresses, apply formulas (ie.

You're just building a house of cards, stacking risk factors, and hoping that it will all work out. 

So, if there was a credit card judgment against your borrower, you would contact the lawyer who represented the credit card company (their name is on the certificate of judgment in the real estate records) and pay the money over to that lawyer. 

Dedicate one checking account and credit card exclusively to real estate.

After reading through old forums, I believe this is my best option....I am planning on opening another personal checking account, and getting a personal credit card.

Have you looked into what rates you can get on just a hard money loan and how does that compare to the APR on this card?

All credit cards are lines of credit but not all lines of credit have a card attached to them.

Lines of credit = pulling cash from a couple of credit cards with high limits that I have available (typical 22-23%).