We use the debit card for all expenses.I thought about setting up a credit card, but I didn't feel it was necessary.

They are also no longer offering 1% cashback on purchases made with the Baselane VISA Business Debit Card.

Separating the business and personal finances by using a business bank account and business credit card is the #1 thing you can do to make bookkeeping easier.

Here’s one thing that saved me:I kept one credit card open—just one.While everything else collapsed, that single card kept my credit history alive.Years later, that “tiny thread” helped me rebuild perfect credit and access over $500K in lines.The tip?

I would forget about growing the portfolio and generational wealth until your husband finds a job and you reduce your credit card debt.Credit card debt has interest rates above 20%, there is a strong case that your rentals are not generating a 20% return.

Better than nothing, but real letter or card even better.I mean most people don't even get Chritmas cards or birthday cards any more.

I'm going to assume it's mostly credit card debt and maybe a car loan?

If you use the typical banks and credit cards, you shouldn't have a problem. 

You stated, "other bills are piling up", "payoff credit cards" and "payoff current debts".- Appears your problem may be actually your credit card and maybe auto payments?

I used credit cards to renovate a house and our DTI was high, so my rate was higher than yours will be.