In order to foreclose in a judicial state it must go through the courts and you can easily file a response to the complaint showing the lien is not valid.In non judicial states it would be the same thing, you could respond to the trustee saying lien is not valid and they would have to provide proof of the original note you signed and notarized as well as the recorded deed of trust. 

At this point you just want quality conversations to happen, just like with direct mail, it's a follow-up game.I don't think your expectations are unrealistic when it comes to having your VA sound less robotic, they conversion numbers aren't that bad, they need feedback to get better and sounds like you're providing that.

You could have a property purchased and renovated by then or even a small condo/townhome to get a head start providing the HOA was reasonable.

there are a couple different lenders that our company is partnered with that can do them. they will not provide the full amount that could be taken out like a primary, but they are out there. 

There are a few professional wholesalers that can help locate one for you but be certain to double check every estimate they provide.

What they do is charging you thousand of dollar and providing some lectures and materials. 

In the commercial & private money world its all fair game and case by case.Use of credit cards to purchase properties to acquire/capture equity, create, cashflow, provide additional tax shield/benefits against your income, and improve your real estate investing venture is definitely one way to go about it but it should not be the sole method since there are risks like many have mentioned above.If you're using business cards (linked to your FEIN - federal employer identification number) and it doesnt report to your personal credit then it might be more prudent credit wise because your Fico scores won't tank when you max a business card out versus a personal credit card (drop of 80-100 fico pts temporarily till you payoff).So with prudent timing (funds seasoning), knowledge of how to maintain your ficos so you still qualify for your cheaper conventional money, and how to use the cards to purchase can definitely expedite your REI journey.Most people I encounter would not have the know how to do it correctly as I see plummeting fico scores, in ability to qualify, and many other issues with using cards to invest on a weekly basis.Best of luck,

Who can provide a referral or insight on managing this rental?

I'd suggest connecting with local real estate agents and lenders can provide valuable market insights. 

You may not get any cash flow but you will get an education that Harvard, Stanford, or any Ivy League school can provide.