$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?

Owner occuppied loans regualted in every state .. must have state license and NMLS registration.NON owner occ loans on 1 to 4 units are regulated same way in about 15 statesin the other states they are unregulated.Keep in mind though investor loans do not follow the same rules as owner occ and rates can change charges can change closing dates can be blown through etc

I was thinking a bridge loan might be an option , and then refi it later and pay back the bridge loan,  but I'm waiting for lenders to reach back out and run some numbers.

The counterclaim states that since the deed in lieu language was part of the loan, the entire loan is invalid.

I am a VA loan specialist with The Veteran Lending Team and a proud Marine Corps veteran. 

Quote from @Leonard La Rocca III: So is it common to find a conventional loan without meeting the lender in-person?

I wouldn’t want to hold the loan for too long, so ideally it would be a 5 year term, presumably ballon payment at the end.

Yes there are alternatives for both beige and 30 year loans for no US borrowers.

Hi Ricky, Have you tried looking at a DSCR loan?

It’s like you bought the properties with a 30 year loan and are putting the rest in to a savings account.