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

You can create all kinds of leverage for yourself as a buyer if you play your cards right. 

I also have virtual credit cards assigned to the various properties.

Unlike a cash-out refinance, you pay for the funds as you go and it functions as a credit card (rather than a mortgage), giving you more flexibility over the funds secured via your house and is potentially cheaper than a mortgage since it is not amortized.

We agreed for him to rotate some of his art in and out of our house, up to 20 pieces at a time with his business cards. 

It's a great way to build a house of cards by borrowing yourself into a corner though. 

You guy made those changes and the premium went up more than double and you charge the customer credit card automatically.

One of my challenges might be that I'm still carrying undergrad and business school debt plus some credit card debt, so I'm still determining what financing might look like.

However, I was planning to use 0% credit cards for the rehab so I won't be able to actually transfer the money when the lien is filed. 

I recently had an applicant who supposedly had their identity stolen.