Looking for advise on best debt consolidation approach

[Jay Patel]

Hello all! I'm an investor in NJ, have few single and multi-family homes. Ran into a little challenge with my last purchase. Seller wanted U&O (use & occupancy) agreement, saying they plan to live there for a year and pay rent. Thought it'd help with accumulating cash for reno project in the meantime, and I went ahead with the deal. But they suddenly decided to move out within 1.5 months instead. Long story short, I leveraged credit card to do a quick flip. Property is to be rented with a decent cashflow. All set there. However, in need for speed, I put a temporary dent in my credit score (high revolving debt, but never had a missed payment). Traditional options are unreasonable/ unavailable due to rate hikes. Having challenges finding a good lender who can help with debt consolidation loan. I'm open to any ideas/ suggestions/ private lenders. Thanks!