I think since these are rental properties and there are tax implications the answer might be different than if we were just comparing credit card debts but perhaps not.

Then 6 months later did a cash out refi to pay the cards off.

Just think about if someone in one of those apartments had their identity stolen at Christmas time (Maybe from an ATM card copier or some such, nothing to do with your guy).

I once had a property manager try to convince me it was normal to just give the lockbox code to the prospective tenant in exchange for their credit card number so they could view the property without the PM getting off his lazy behind to show it.

I have dealt with them on the temp. hotel lodging. on the hospitality side they always pay with a credit card,  they paid on time. as for the tenants it is hit or miss.

Could you break that down into slightly smaller, digestible parts for a rehab rookie like me?

You'll have more liability issues with these new approaches than you ever would have from suggesting someone to payoff a car loan or credit cards, giving prudent advice.

(storage unit, office space etc.) and Credit cards.

Here in Canada, the Currency Act describes legal tender:8. (1) Subject to this section, a tender of payment of money is a legal tender if it is made(a) in coins that are current under section 7; and(b) in notes issued by the Bank of Canada pursuant to the Bank of Canada Act intended for circulation in Canada.Marginal note:Limitation(2) A payment in coins referred to in subsection (1) is a legal tender for no more than the following amounts for the following denominations of coins:(a) forty dollars if the denomination is two dollars or greater but does not exceed ten dollars;(b) twenty-five dollars if the denomination is one dollar;(c) ten dollars if the denomination is ten cents or greater but less than one dollar;(d) five dollars if the denomination is five cents; and(e) twenty-five cents if the denomination is one cent.It would also appear that under the current interpretation of the Act, the method of payment (e.g. cash, debit or credit card) used in a transaction is a private agreement between the buyer and the seller.

i.e. post cards, yellow letters etc...Thanks in advanced,Martell