However, I noticed that as a Costco member, they also offer HVAC services, including the same product line (Lennox), along with a 10% Costco Shop Card if you go through them.Has anyone here used Costco for their HVAC needs?

It will auto download bank and credit card transactions, give you reports by account, category or property in any form you want. 

Lenders usually determine whether properties are lendable based on the debt service coverage ratio. 

It's debt you'd still have to pay back, but at least you will not touch one of those two amazing interest rates. 

Instead provided Texas ID card which has his employer’s address.  

Used funds to pay other debt off plus out cash in the side.  

Can I just try to cancel the card?

THEN, I plan to purchase the second home using a FHA or conventional loan (3%-5% down), for which I will likely pay the monthly cost out-of-pocket, maybe with some rental income support if it is a duplex.My concern is, I do not want to spend my savings or weigh down my debt-to-income ratio so much so that I cannot qualify for and pay the down payment and closing for the lending on the second home.Questions: - With the first home being multi-family, 75% of the rental income (or potential rental income initially) will relatively either maintain or boost my debt-to-income ratio from lenders' perspectives, right? 

And you do not technically have to replace debt. 

You should never use a debit card or pay for medical expenses from your HSA, ever!