Eliminate debt, establish a budget, and save.

It’s also a great strategy for consolidating debt or accessing additional capital for growth.However, be mindful of potential prepayment penalties and how they weigh against long-term savings.

I've seen some Smokies owners that cashflow well even with high-leverage debt.

. 💪 As for next steps, I'd focus on stabilizing your cash flow first, especially with the credit card debt situation.

If it's mostly fully occupied you can get a full-doc commercial loan as long as it debt covers.

What sort of debt does it have. 

If you are working with a reputable company, then you buy the property, hold the property and look up 7-10 years down the road and have a home that has increased in value and a debt that has been reduced by your renter.   

Quote from @Griffin Malcolm: The typical experience that I have had flipping homes with solar and also helping buyers/sellers on sales with solar is that the seller ends up having a request from the buyer to pay the remaining balance off from the solar debt on the home without increasing the value.

I have no problem handling the debt with my overall income, but the bank is putting pressure on me to do something now. 

All that combined with limited building and no state income tax there is positive rent and appreciation.