You will see more in January, after the credit cards were maxed out

LOL But I did have a credit card with a $20K cash advance available.

Focus on capturing key info now (closing packet/settlement statement, invoices for repairs/improvements), start clean bookkeeping with a separate rental bank/card, and track the placed-in-service date and any personal use.

Whichever brand, look into machines with a card system.

Credit card statements show that you spent money.

Operator moves that attract quality:scheduled showings (not on-demand chaos)clear steps and timelinesonline maintenance ticket system (even if it’s simple)online paymentsclarity on whether you accept credit cards (some strong tenants prefer it for points and cashflow management)consistent communication windows and expectationsThe process is part of the product.

@Elias SaarelaI think if the property is clean, reasonably priced and conveniently located near campus or transportation, it will be easy to fill rooms in a student heavy market like Boise.

Lines of credit are meant to be used in the same fashion as credit cards - you borrow money for a short term use and then pay it back quickly.

You will have to have your own credit card processor, and can accept Venmo or Zelle if you want. 

Many times an applicant had income 3x rent BUT their monthly debts are outsized with credit cards, student loans, child support payments, car payments etc.