I've been servicing a few flippers in buying properties and have come to the conclusion that I can provide a valuable service and earn by contracting rent-to-own buyers to utilize myself for their transactions.

Hardwood, parquet, faux-hardwood, tile, etc. are much easier to clean and you won't reduce your pool of potential tenants/buyers.

I'm wondering if condensing them onto a credit card, then hammering away at that is smarter and will reduce my debt to income or if it's a bad idea to open a new credit card.

So you have honestly earned your retirement Darryle.

As in your example, I earned 0% in the 1st 5 years.  

In addition, the term are more flexible, typically interest-only for the first 10 years, just in case you want/need to reduce payments.

Hope this helps, it has help he and my friends on reducing the sale price.

It'll be 2009 all over again, and unless you want to see your hard earned cash evaporate or give your real-estate back to the banks, diversification is your best option.Oil & gas and real-estate are considered identical in the eyes of the IRS.

I have not had a claim so take that for what its worth.On those policies remember that half of the premium is earned, so if you cancel early (because you sold it) you can only get half you money back.  

Would reduce your risk factor for long term buy and hold.