This card is tied to the first bank account and is on auto pay.

You might check with your Self-Directed IRA Trust Company/Custodian, they might have a brokerage connection capability where you can setup a brokerage account tied to your IRA, then you can with that brokerage to invest in various public market investments, in some cases stocks, mutual funds, ETF's, treasuries, and CD's.

@Tom HallAt 7% if you can I would pay it down as investing it net after tax gains may not get you the 7% you are paying - so it’s less riskDownside is you lose liquidity of that money as it’s tied in your propertyIf rates come down in future you can refinance and even take some of the cash out.Regarding your question are rates coming down, a lot of factors come into play but right now it does not appear there will be significant changes to rates over next 3-6 months.

My partner and I don't get a cut of any of the money invested, it's a flat-fee membership club.

I had severed ties with them for many months, and they expect me to use them to sell my property?! 

In related news, we had a guests for a  10 day stay and they wanted to cut the stay short.

what are the laws in CO regarding unlicensed wholesalers tying up property advertising it and collecting a fee at closing is that even legal in that state. ???

They can tie up the property with a lis, but if you're not planning on selling, doesn't really bother you.

Hoa does not allow us to cut the tree though.

I don’t understand how this isn’t a clear-cut case.