Intention is to have a parent holding LLC with subsidiary LLCs to hold assets, form joint ventures and possibly one as a holder of interests in foreign entities (we may do some investing in South America too).My wife/partner is a foreign national in the US and does not have any US based documentation (no Tax ID, no Green Card, no SSN, etc) at this stage but we do intend for her to get residency documents in the next couple years.The plan now is to incorporate the LLC(s) beginning in January with myself holding 50% and my foreign national wife holding 50%.  

The 5K is on a credit card with 0% interest for 12 months. 

With $10,000 of someone else's money that I had to borrow, I would be saving and paying down my other credit card and car debt. 

Find someone you trust with excellent credit and see if you can be an authorized user on their credit card, or try and get a secured credit card.

It's not how they rate as a prospective renter, or home loan borrower or auto loan borrower, or ... it's completely unweighted.Also, CreditKarma is sponsored by Credit Card lenders / servicers.

Its not like owning a property personally where you can go work on it yourself, borrow on your credit card, take out a home equity line.  

Feltus explains after years of split testing (here, mailing the same yellow cards and postcards to the same list of prospects) demonstrates that “postcards tend to outperform yellow letters” because there are fewer “tire kickers” and it makes it more efficient.

Also in the mean time I can payoff my credit debit and my cars too.

I regularly check Mint and have been slowly increasing my score since getting my first credit card.

Regarding debt, I would definitely pay off consumer (credit cards...) debt as soon as possible but not the mortgage.Find the people around you that have the life you want and do what they are doing.