I NEED OPTIONS

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'I NEED financing. HI everyone. This is my story I have a sfr that just apprasied at 140k I have a mortgage at 44k. I have another SFR that is around 107K balance on mort. is 49k FICO of 664 but i racked up 25K CC debt rehabbing the house with an apprasial of 140K . I retired from my city job last year . I can only show 24K per year income. on top of the CC debt the two mort. are 423. and 405 per month thats all the debt i have so my dti i think around 46 .NOW TO the question HELP :) no really i am stuck I was wondering if anyone had any ideas that might work on this situations. I had (have) buyer for the house but they couldn't close so now i want to pay off the credit card debt so my score and my dti will come back up.The other house has an FHA mortgage on it this one is conv. I live in a part of this house and have a family that rents the 4bedroom two bath part. This is all under one roof but it has like a suite added on (permitted) that i live in. The other house is rented but my rents don't count as income so any help is truly appreciated thanks James.