LTV would be determined by the type of loan.

@David Matarazzo  Did either of you move forward with them for property loans?

OO loan seems like real long shot. 

5% down federal loan How did you add value to the deal?

Check with your lender first—they may allow it if you personally guarantee the loan.2.

I am looking at doing an SBA loan but at their asking price it would still need over 100k. 

Then any rental income you could obtain from that property could be used as an income source for loan pre-qualification.

Depending on your current rate or if the current loan is short term or long term.

Hey @Cameron MarroPersonal Loan or Line of Credit: If you have decent credit, a personal loan or line of credit could give you access to the cash you need for renovations without using your property as collateral.

$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?