Also, my PM has recently started taking rent payments by debit and/or credit card.  

I definitely have a purpose in mind, I just wanted to ask someone about a file they uploaded for example, but that's it.

You do have to pay the annual franchise tax and some minimal paperwork with the state.In my experience, the best way to attribute expenses to an LLC is to open up a bank account and/or credit card and just pay for LLC expenses out of those accounts.

None of our debts are above 5% interest rate and we never carry credit card balances or anything like that.

Im trying to work hard to get the credit the best i can like leasing a car and use a credit card.

Get his/her business card and start emailing?

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. 

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