Do you see a lot of borrowers with more debt that just a credit card and car payment? 

But if you later apply to another loan and you have, say, a $0 balance on your heloc, they might look at it similarly to having balance on a credit card, which doesn't really add to your DTI.  

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.  

Consumer credit card debt is at an all time high and families are struggling to stay afloat.

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.

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.

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