I will pay cash or put them on a credit card, depending where I am in my funding and build cycle. 

For example, I've recently spoken to someone about their MTR in Montgomery and they shared their MTR experience has seasonal occupancy, hard to find boots on the ground, contractors are slow and many do not take credit cards for payments, etc.

Does a credit card company say their cash flow is unpredictable because of late payments and defaults and charge-offs?  

Otherwise you could finance by credit card, bridge loan (use this property as a collateral) or HELOC.

And does your calculation take into consideration the fact that an entire town can burn down, and the only assistance the government will give you is a $700 gift card? 

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We uploaded ALL of our financials to the bank and are now waiting. 

Letters and post cards work well if they are prepared well.

Go to some REIA meetings, get some business cards and recommendations, and really put some time and effort into getting set up? 

Best advice with contractors is always warranty, insurance, pay with card(if theres a 3% fee so what) and no large deposits.