Refi after credit card purchase

[Indra H.]

Hello folks,

Im looking for suggestions. I am closing on a town house that im purchasing with a credit card. Purchase price is 45k, is rented for $850 but could be 950 -1000. Now, the credit card im using is a personal cc, so im not sure how this will after my ability to refi. Conventional might not be an option. Although my credit is 810, im a business owner and my taxes dont look good at all. I have two other properties with 60k and 100k equity in them. I tried refi (conv) those few months ago and after spending time and money the loan didnt close because my dti was too high. The cc i used to purchase this property is 3.99% for 12 months, but i need to come up with a way to refi this thing way before the 12 months. Property current value is 65-70k. Any suggestions please? Thank you