Hi,  Does anyone have experience either using Bilt Credit card to pay rent or collect rent?

If you haven't already, consider looking into whether or not your fiancé would have been covered under the Servicemember's Civil Relief Act (SCRA) https://www.dmdc.osd.mil/appj/scra/In certain instances, things like high interest credit cards and certain loans would be capped at 6% APR, with any overages/fees being FORGIVEN and not just deferred. 

You may also find it useful to get a business credit card as well for the same reason.

I've been educating myself on real estate for the past 3ish weeks or so but I have about 10k worth of credit card debt should I try and pay it all off so I can get my credit score up and have better approval odds for my first investment loan (I would be using my VA loan).

Memphis has a diverse economy with strong sectors in transportation, logistics, healthcare, and education.

Her Mom is attempting to take out a home equity loan on this property to consolidate credit card debt.

A cash out refinance is over a 30 year, lower rate and not viewed as a "credit card" aka debt risk.

Either begin by paying your cell phone bill or having your parents put you as an approved person on one of their credit cards if they have good credit.

Do not charge up any credit cards you have, take out new ones and do not buy a car, or finance anything else new until after the closing. 

Then your getting 0% interest on the cards they get for you, which some come with rewards and points!