If you do not have attention to deltail, many of us dont so, dont feel bad, I would recommend staying away from investment real estate. Invest your money in mutual funds or other sources where professionals manage your investments for you. It takes a certain type of person to juggle real estate investment property and all of the risks associated with it.
By paying down credit cards to under 30% of your credit limit; ideally you only want to have 2 cards. It will take time for the credit agencies to pick this up, I work with a lender who will "rush" changes such as credit card payoffs. You can also work with a lender who does hard money deals, you'll just be paying a lot more on these types of loans.