You could look for a duplex at the lower range of your search parameters you mentioned ($100k) that is habitable but needs new kitchens, bathrooms, paint - cosmetic upgrades.

I want to get in the habit of producing a monthly P&L.

Your debt to income should not be materially harmed when you buy income producing property. 

( I think the answer is no since it all flows through to personal taxes anyway)The reason I want to use personal cards is because I have good credit score(771), $27,000 worth of credit divided up over 3 cards all with ZERO balances and I don't want to give a personal guarantee for a new business credit card and harm my personal credit.Any comments or suggestions are always appreciated.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

I think the only harm is that we have to pay a slightly higher mortgage for sometime.

I don't think they're going to retaliate against you in any way as you didn't do any harm to them.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesEven if someone give you a referral, don’t make the mistake of assuming the PMC will meet your expectations, just because they met the expectations of the referral source.We recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.