You just have to find balance.

Now to be fair and balanced this person had a very successful company and had means..

Why should paying off your balance make it harder to get cash flow?

Here are the numbers, if I left anything out or you want more information let me know:Single-family homeOriginal Mortgage = $114,500 VA Loan @ 4.00% (no PMI)Mortgage Balance: $104,000Conservative Market Value = $130,000Mortgage payment+Insurance+Taxes $756/monthRent: $1300/month Property Mgmt = 10%Vacancy: 15% (military area)Maintenance: 5% (everything is brand new inside)Yearly NOI = $3400A little about this house.

Make sure to keep card balances at or below 30% on a monthly basis.  

Treat it like any other mortgage that needs to be paid off, you need to know the balance.

Are they financially responsible enough to have bank accounts and balance them without overdrafts or very low balances?

Fannie does not do high balance cash out and Freddie can only cash out on high balance cash out on non owner if you have 1-4 financed properties total and no more.They could always go to a portfolio lender or private lender to cash out as well.

Most of these cards require monthly payments of something like 2 or 2.5% of the outstanding balance.

The earlier in the case you catch it the lower these are all going to be, by the end of a foreclosure that takes years to complete you can see cases where the additional charges are more than 50% of the unpaid balance.