Good q's, so payment was made through my biz credit cards that the PM/Agent had during the 3mo renovation process.

.💻 Office Supplies & Software – Including bookkeeping tools, printers, and even part of your home office.Creative Ways to Give Back — and Still SaveGiving back can also be tax-deductible when done thoughtfully:🎁 Tenant Appreciation Gifts: Small gifts such as gift cards, snacks, or holiday baskets (under $25 per tenant per IRS rules) can be deductible as a business expense.🏘️ Community Donations: Contributing to local charities, shelters, or community events near your property may be tax-deductible if donated to a registered nonprofit (501(c)(3)).🧤 Property Improvement Drives: Donating old appliances, furniture, or materials from renovations to nonprofit organizations like Habitat for Humanity can qualify as a charitable deduction.Pro Tip:Before December 31st, review your receipts, invoices, and bank statements.

If you find one, you can add the cost into rent or collect it as a flat monthly fee.Create a small, secure trash area - A fenced or enclosed spot near the top of the driveway can make things easier for tenants or haulers to manage.Consider small incentives for upkeep - I’ve seen owners give a small annual rent credit or gift card for tenants who consistently keep the exterior clean and manage trash properly.

If you hate high‑rate debt, price a bank rehab line where you front small tranches on a card, get reimbursed by draws, and rinse monthly so you never raise the full budget at once.

I built on credit cards mostly and with great tenacity, I  got a lender to finance a mortgage when most companies abruptly halted mortgage approval.During the crisis I took time off from building more.

I also have a business credit card for my rental properties so this should also buy time in the event of a true emergency. 

I manage around 30 furnished MTRs in Florida, and I have tried all of the main platforms:Airbnb - By far has the biggest market share (and the biggest marketing machine), and only charges the host 3% (this is less than you pay for credit card processing on other platforms).Note: There's an enduring fallacy out there that Airbnb = STR or "nightly stays".

As a side note, I always use credit card/travel hacking when doing this kind of spend, this last one basically bought be a free flight to Europe.

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

Can't go for conventional refinance loan since my credit card utilization is high.