Unless that fund is tax sheltered and you would have to pay a penalty, you will immediately have an effective "return" of the amount you are paying in interest to the CC and car loan.

Currently, however, I am about 30K in debt; primarily school loans, car, CC (but I also live at home so no rent, phew!).

I have another SFR that is around 107K balance on mort. is 49k FICO of 664 but i racked up 25K CC debt rehabbing the house with an apprasial of 140K .

(note most all big banks, and cc co's are out of DE)  If TX isn't onerous, I would establish there.  

I started with a $10k CC and a $10k loan from my 401k Plan.

I would address the association but cc the managing agent.http://www.bbb.org/hawaii/business-reviews/property-management/hawaiian-properties-ltd-in-honolulu-hi-1049/complaints

Then there are the pocket areas within this area that are even nicer, the areas around Lake Phalen, Hillcrest CC, etc.  

As David reminds you, if it's an owner occupied 1-4 residential units, it's subject CC 1695. 

The building is a C/C- and it generates about 272,000$/yr GOI.

We carry very little CC debt, only enough to boost credit scores.