High credit card debt and poor credit because of it, what to do?

[Peter Kopchik]

I had a poor first year as a home owner as I had surgery and was out of work for half the year. I built up quite a bit of debt as I had to remodel my 2nd unit to be able to rent it. I am reemployed make a decent wage and have a tenant now I am slowly paying it down but I want to get financing and get another property. Is it harder to obtain financing because of the high credit utilization? My Fico on discover says 624. Any advice?