Then a few months later, the bank issued us a $20K credit card out of nowhere.

The further away from campus you begin to see more promos to attract tenants (free tv, $100 visa card, etc) because there is a lack of demand.

That is a fancy way of saying that a group with a lot of power got together and forced an unfair deal on someone because they held all the cards. 

I prefer LVP on the stairs because carpet wears quickly with people walking in the same path and scraping their feet, but it's situation dependent.I prefer quartz counters for a rental because there are more color options, they don't require maintenace, and cheaper up front.I avoid steel appliances except in high-end rentals.

Instead of playing the “victim” card, why not look into hard money lenders or other loan sources?

This type of funding comes in the form of credit cards which must be converted into cash after funds are received.

A similar topic came up in a recent thread.The consensus seems to be that registering rents (with the city) is only required for buildings with more than 4 units, and registering with the state (NJ DCA "green card") is required for 3-unit buildings and larger. 

Do you have equity in your home to do a cash out refi and pay off the credit card debt?

Get business cards printed with your logo and contact information.  

Expenses are paid for out of my primary bank account or with my American Express card.