Dave Ramsey preaches to the masses to pay down debt.  

Minkow's book claims all of his share of the book's proceeds would go toward repaying his victims.[4] His other substantial debt is a $7 million loan from Union Bank.[25]In 1997, Minkow became pastor of Community Bible Church in San Diego.

Same for credit card etc only time you need different accounts is for different entities 

Since we would NEVER get another deal as good, I just tore the ROLODEX card in little pieces for the person I was speaking to as they told me why they weren’t ready to buy.   

I don't think it's a get out of jail card.

my question is what are you going to use the credit cards for?

my research shows 2.99% fee with Debit or Credit card to tenant if they pay use these forms of payment.

The interest rate on the 2nd is close to credit card rates, so it's not really worth it in my opinion. 

Medical debt is one thing.

I bought it at roughly market value for the long-term debt and strong area fundamentals.At this stage of the amortization schedule, the loan is paying down around $11.5K in principal each year.