$40,000 x 25%(assuming a 25% interest rate on credit cards) = $10,000This is more than the annual cash-flow that you are getting from the rental.I would look at a way to paying off the credit card debt asap.Look to see if you can take a HELOC on the investment property(likely difficult).If you can't you may want to consider selling the proprety.You will also feel a lot of relief of not having credit card debt hanging over you.What is the interest rate on the car loan?

It's mostly a joke.I think it did good - the influencer who opines regularly on cap rates, interest rates, the Fed, inflation, and is generally an economist, or even a bit of a philosopher, probably does alright! 

In many markets section 8 is higher than market rate. and investors need that extra return to mitigate the risk of sec 8 tenants generally speaking.

With me not being on the duplex as a co signer it is rasisijg the interest rate 2% higher than what the average rate is or has been going for.

You didn't mention the interest rates but 3 years ago, I am going to assume it was much better than it is now.

There will be multiple markets you can achieve a 7.5% cap rate especially if you're buying with cash.

That’s why improving your Click-Through Rate (CTR) is one critical metric to focus on to boost your Airbnb profit and visibility.The key to improving your CTR?

It's also nice that they have their own recommended insurer, those rates are much lower then what I would pay up in the northeast. 

Right now, you have a property with a great equity position, solid cash flow, and cheap debt (interest rate is low). 

Do the numbers make sense with each and all interest rates?