Hello Team,I am  looking at my outstanding credit card debt which is at ~25k would it make sense for me to consolidate this debt to a lower interest loan? 

The lower rate decreases my monthly expenses, increases cash flow, or gives me a higher LTV.Increasing Rents with Co-Living:I have changed my rental strategy to Co-Living (rent by the room).

I just don't see you being able to do a whole lot to allow you to sell it quickly outside of lowering your price to something extremely compelling.  

That may lower your closing costs, but most lenders have minimums (usually $65K or more) for what they’ll lend. 

I do see that my NJ and NC taxes due are slightly lower for each state though.

I then lowered the offer price to 70k since I wouldn’t be able to complete the due diligence piece.

One way to minimize vacancy is to lower your rent.

I believe it tends to give me a slightly lower return, because the sponsor is going to be more careful, and if there is a severe downturn will prevent me from taking catastrophic losses.

NonQM "shops" offer a variety of loan types, DSCR being one but they are the lower rates and fees.

I started looking a bit into Rochester which has a way lower price point for multi families and single families but obviously I would be unable to house hack as it is 5 hours away from NYC which I will not be commuting lol.