If tenants use a credit card they are charged a 3% fee… otherwise it is a free service to our tenants.  

It's all totally survivable.It will take 90 to 120 days to go through the process and then you can start rebuilding.Banks won't lend to you in the future until you clear the deck and rebuild your credit anyway (usually through small loans at first and secured credit cards.

I was thinking maybe we could set up a ACH auto withdrawal from her bank or unemployment card to ensure the rent, any thoughts or complications with that? 

or ban full sugar soft drinks from EBT cards they cause our medical system billions.. 

Hi,  Does anyone have experience either using Bilt Credit card to pay rent or collect rent?

If you haven't already, consider looking into whether or not your fiancé would have been covered under the Servicemember's Civil Relief Act (SCRA) https://www.dmdc.osd.mil/appj/scra/In certain instances, things like high interest credit cards and certain loans would be capped at 6% APR, with any overages/fees being FORGIVEN and not just deferred. 

You may also find it useful to get a business credit card as well for the same reason.

I've been educating myself on real estate for the past 3ish weeks or so but I have about 10k worth of credit card debt should I try and pay it all off so I can get my credit score up and have better approval odds for my first investment loan (I would be using my VA loan).

Her Mom is attempting to take out a home equity loan on this property to consolidate credit card debt.

A cash out refinance is over a 30 year, lower rate and not viewed as a "credit card" aka debt risk.