Looking for some advice here

[Nick Causa]

Would love anyones help here. My wife and i have been on our FI journey thanks to Bigger Pockets and it has been as rough as I’m sure anyone starting out in anything should experience. My question is this: we finished up a renovation on a multi family last year and live in the property and rent out the other unit. We also own a lake home that we airbnb. What we were looking to do was BRRR the multifamily but are now stuck in the refi portion of this method. The reason being is that we took out loans and credit card debt to complete the reno (which was NOT supposed to cost what it ended up costing so there were more loans than anticipated) and our credit is now adversely affected (670) which tuined the cash out refi. So now we cant pay back the debt because we cant access the $ in the house. If we could refi, we would knock our monthly mortgage payments down about a $1000 a month because we will lose PMI, theres a lot of equity in the home and the rates are great. Any suggestions other than just slowly paying down the loan balances to rebuild credit (which is taking forever).