At this age, I am not trying to become fabulously wealthy; my wife and I now value experiences far more than the material things.

Still, the best card for you will depend on the creditworthiness of the personal guarantor (which I assume is you) including your credit score, recent credit inquiries on your credit, debt-to-income ratio, and the age of your business, and a host of other benefactors.

@Anthony DelVecchioIt's great that you're considering homeownership at a young age!

First off, props to you for diving headfirst into the world of real estate investing at such a young age.

At this point the value of the house is still increasing but not at the same rate as the previous years for a number of obvious reasons (high Interest rates,  age of house, etc.) and at this point I'm not sure what my next move should be since I don't like having all that equity tied up in the property and borrowing against it (HELOC) doesn't seem like a good idea since banks seem to be charging even higher than "normal" interest rates because the house is not my primary residenceIt's been almost 2 yrs since a I moved out of the house and I know my time is running out before we'll have to pay capital gains on the property if we chose to sell it [unless I do a 1031 exchange of course] but wondering what other options I might consider.

Age of the home, neighborhood, price range, no. of bedroom/bathroom, type of roof, any other features/specs?

with an 1880s wood building (age of many 2 flat buildings) it’s not if you have rotted wood but where. for me it was a constant battle caulking/replacing windows spraying insulation to keep cold air out and conducting yearly termite inspections. you might still have some of these issues with brick buildings but you have more time (fix it this year as a opposed to right now) @Mark Ainley curious if you have any other anecdotal reasons why brick is better than wood- i know i’ve heard this come up on the podcast numerous times

Being in the position you are already in at 25 and 24 years old is probalby ahead of 99% of people your age.  

The labor market is still challenging (and not showing signs of improving based on the escalating average age of most contractors).

Time is on your side my friend no need to rush the process and get levered adding tons of risk at such a young age with little income.