I have a lot of bank accounts and credit cards and it seems impossible to keep track of everything.

On the flip side, if you've got a bunch of Section 8 tenants living in a building that's in a neighborhood where a lot of the tenant base has good jobs, high credit scores, and are generally reliable people, you've got the most risky tenants in that tenant base and that ain't what ya want.

I’ve read quite a few posts about foreign investor financing but most seem to deal with non-citizen investors without US credit or personal tax filings.

US credit (some lenders may require 1 or 2 credit scores to qualify you).

But I saw it on the Internet; it must be true.......

I'm just buying my time and making some connections while I build my credit history again - worst part about moving country haha!

I agree local banks and credit unions will be better if you're planning on growing your portfolio. 

Renegotiating some utility contracts (garbage and removing some on site office paid internet/phone bills) 5.

Any good recommendations for the collection agency or any way to get the money back from the tenant or any way to report it to the credit bureau?

Read some other comments - I guess it is technically a cash out refi, but you're paying off a line of credit as opposed to putting the cash in your pocket which is what I typically think of when there is a 'cash out refi'.