I was wondering, for those who have done it on a business credit card, which one is the best to use.

Hi, I would recommend learning how to learn about levering other people's money or obtaining a personal business loan.

If you're planning to do a rent-by-room business model, you will find travelers on FF looking to rent a shared space, but just know that they tend to be on the lower end of the scale in terms of what they're willing to pay.

Check out the Find-A-Lender Tool on BPhttps://www.biggerpockets.com/business/finder/lenders

In short, if you are coming into the real estate business in 2023 you need to realize you are catching the market in the high / expensive part of its cycle.  

Do not take risk that is in a side business(your rentals) and move it into your personal life(your primary).

I wound up taking a loss for 2023 due to a unprofitable part of my Amazon business, and I feel like I am at a crossroads going forward.Currently, I have 400K equity in my home, and 100K in personal/business debt (and that's no one's fault but mine).

I did my due diligence properly before doing business with them.

I have a few other quotes for STR coverage that don't look bad but not as fully loaded as Proper and many of the business aspects of a STR.  

Also, consulting with an attorney specializing in real estate and business law is highly recommended for this.