I do not think it is essential to have your address in your business cards. Usually the ones I see from homepreneurs are contact numbers and their line of business. If you are not comfortable placing your address just don't include it in your card.
I have a friend (sales rep) who works out of her home. The only thing she puts on her business cards is her contact information. If the customer wants a face to face meeting, she goes to them.
I would definitely suggest a virtual office to keep costs low, but one that offers rent by-th-hour boardrooms and offices, this way if a client ever wants to come to you, they can meet you in your office. Intelligent Office has locations all around North America.
Nowadays, not many business owners are specifying their business location on visiting cards. And, if they want to arrange meetings with their clients, then they are renting out meeting rooms for the convenience.
Hi Kyra, like WebJunky, I also think that a virtual office, at least for the address, receptionist and mailbox service is almost a necessity for entrepreneurs who are working from home, especially if you are uncomfortable with the usage of your home address for business or like myself, constantly on the move.
As for the servers, you have pay web hosting companies to do it for you. Even if you hire staffs that are going to work-from-home down the road, they can simply collaborate with tools like Dropbox, Basecamp, Google Drive or Podio so no worries there.
Both of them has its own advantages, however, virtual office sounds better. Following are some benefits of using virtual office for business:
1. Saving of money
2. Premium locations
3. Lower risk to business venture
4. Chances to get more business online