We started the jump a few years back by getting our real estate licenses and working toward paying off debt and start saving money to invest.  

Samuel,I would advise on number #1 to buy a 2-4 unit live in one unit for 12 months rent out the others to cover the debt and cash flow.

For some context, the current payment is 30-31% of our gross income, we both have 780+ credit scores, no other debt besides this mortgage.

The other technique Ken is talking about is doing a wrap or in CA you have a really cool debt instrument called a All inclusive Deed of trust..

I’m currently working on 58 unit BTR development project and seeking one or two private debt investors to help fund it.

I recommend that you talk to a licensed debt collection company or a law firm on collection action.

We own 7 properties that we will start developing in 2025.We are currently remodeling my wife’s two-story home, turning that into two rentals.A developer contacted us and is using our largest plot to build a four-story condo building trading one condo for the opportunity.We drive and live in an 18 wheeler debt-free saving up capital for the next opportunity. 

Our debt include only our primary, the duplex, and credit card $3,175.91+$7,317.49+$2,000=$12,493.

I considered syndications which invest in car washes, self storage, multi-units and real estate debt funds but to be more passive but I've heard mixed reviews about syndications. 

Current Debt?