Mortgage companies, heirs, Bob's construction company that put a workman's lien on the property, Credit card company, etc etc... exception being local municipality liens ( grass cutting, demo etc.)

I have my primary residence single family home paid off in full Zestimate ~$500K, and no other outstanding loans for cars, schools, credit cards, and in good financial position with 2 years of reserves for expenses, etc.

That ship sailed a long time ago, we are living off "credit cards" now to a really significant degree.

Move to an electronic card system even for the soap dispensers. 

You could being offering gift cards to get more reviews.

I am starting a new rehab and was considering applying for a Home Depot commerical credit card.

Down payment funds just can't be from a unsecured loan (personal loan/credit card).

Consider 401k loans and 0% interest for a year credit card loans too.

My business partner and I have a joint LLC (shared business bank accounts / credit cards / etc) - pretty standard stuff.

Is carrying it on my card worse for credit than carrying it on the HELOC?