Thats because like most small businesses, they are not properly capitalized, and they dont know how to run a business.

I  I have a business bank account to separate funds, and thought it would be great to start building my business credit by getting a secured credit card.

assume 20-40$ per sq ft for the work plus meters that even if your house is properly zoned for density

At the end of the day if you run your numbers correctly and perform proper due diligence you’ll do just fine No matter what path you choose.

If so, clearly take pictures of the damage, estimates for repairs, and have copies of your attempts to reclaim your drawers/having them properly clean it.

Done properly, when you invest in real estate you can shield any income from taxes so the 401K advantages are minimalIf you are successful in growing your 401K's assets, you end up paying more taxes, not lessYou have much greater flexibility if your money is outside the 401K to do whatever you want with the moneyWhen you die your heirs inherit property at a stepped-up basis. 

Debt is not horrible as long as it is used properly.

As long as landlords continue to operate out of fear we will never have answers.Document every thing, all conversations, and, as Greg suggests, be prepared for them to play the "emotion" card.

I don't have very much saved as of now, being that I have been attacking credit card debt and not saving as I should.

Likewise, I created an entire post on how to properly structure your deal if you purchased with cash.