I don't want to ignore legitimate requests or provide bad service, but I think there is a balance somewhere in between allowing these guys to text every little issue that bothers them and being some type of unresponsive bad landlord.

What you are however doing is converting one asset on your balance sheet (Equity in the property), to another type of asset (cash).

We moved from one "no interest offer card" to another, "to no interest balance transfer"... 

A balanced market typically has about 5-6 months inventory.

By doing this, and assuming you have more money left over at the end of each month, this will help reduce your balance much faster and yet you will still have available capacity to use, for when you see that hot deal that you need to jump on. 

It's really hard to balance the capital that you need to operate...having money available when your flippers need it...with having too much $ in the bank account just sitting there.

Opening a bank account is not as easy as it once was but still can be done, the big banks such as Bank of America, Wells Fargo etc will want you to open an account in the LLC or C-Corp (business account) and a personal account (in your name) which will require a monthly balance to avoid fees just like here!

Since last summer (I believe) FHA now uses a 1% blanket method for student loan debt : 1% of your total balance (regardless of your monthly payment).

I know it is a balancing act for self employed people. 

Landlord reserves the right to pursue XXX  soon to be ex-wife XXX for remaining past due balance as permitted by law.