Bought for lot value $23k on 3 credit card checks. 

And how great that is. but a vacation rental dollar is not the same as a long-term tenant dollar. 3% credit card charge, software, insurance that can be two or three times more expensive and may be hard to get, the industry trend for listing sites to charge a commission to the owner such as booking.com at 15%, the fact that vacation rentals require self-employment tax, Linens and cleaners and maintenance people who have to keep it perfect, every possible kitchen appliance and coffee setups add toilet paper and soap and everything else, up to 30% to a property manager. so maybe if you're lucky a vacation rental dollar is 75% of a long-term tenant dollar.

If we have a new LLC to maintain the rental portfolio but the rental properties are still in personal names is it OK to spend money on the rental property using a business credit card and collect rent to the business account even though the LLC dont own the property but the properties are still owned on the personal name ?

They I would get to know everybody and collect business cards.

Want to use it for shirts, hats, business cards, and paperwork.

My problem is, in order to be able to pay back high interest loans and credit cards, I need the cash.

I mean, if you need to get the cash fast, and have good credit (and high credit card limits), you could do balance transfers (with 3-5% fees and hopefully a 0% rate for 12-18 months), which does skip the bank's underwriting. 

Maybe you can borrow enough to pay off the lender and pay off your credit line/credit cards over the next few years from the cash flow.

My example for this is, I'm a veteran so my credit card interest rates are currently capped at 4%. 

I’m not sure what that looks like but I’d love to help with anything from cold calling to graphic design / marketing.