.✅ No Impact on Personal Credit Score – Since these are business credit cards, utilization doesn’t report to your personal credit, so maxing them out for a flip won’t hurt your score.✅ Flexibility & Control – Unlike traditional loans, you’re not locked into fixed payments or interest-heavy terms, and you can access funds as needed.It’s all about using the right strategy to structure the funding in a way that keeps risk low and maximizes returns.

What would you say has been one of the biggest challenges you've faced in your investment career, and how did you overcome itThe biggest challenge for most people is tuning out the noise and not listening to other people. 

I'm trying to clarify if the DCR loans negatively impact my personal debt income ratio.

I would also suggest (once your credit utilization is lower) to apply for business credit cards with diff banks as they will give you additional capital access without hurting your personal credit.

They are currently under our personal names and I would like to keep it that way.

If you own enough properties you may eventually be able to get business loans/lines of creditRefinance in LLC/Trust is nearly identical as when doing this in your personal name. 

And since the S-Corp’s profits pass through to you, you’d still pay personal income tax on the rental income.

Currently, I own Luxury Autowerks, an auto shop in Denver, and I personally self-manage the ski-in/ski-out short-term rental in Keystone, CO while also helping to diversify and expand my families real estate portfolio.My long-term goal is to own apartment buildings (100+ Doors), and I’m taking my first steps into acquiring our first small multifamily property.

In our experience, Remote Investing requires finding a PMC that takes the time to understand an owner's expectations and discusses if & how they can be met.A common problem is a percentage of Remote Investors expecting their PMC to be a personal assistant.

Looking for recommendations from people who have personally used a specific lender and had good experience.