I used a realtor that specialized in rehab properties.

Credit cards have the same limitation on the amount you can borrow and will likely end up costing more than private lenders.

Many months of costly vacancy, local market rent & resale deteriation, special assessments, property taxes and maintanance fees suggest a quick sale would have been the wise thing to do 2 years ago.

I specialize in kitchens and bathroom remodeling, and have a custom cabinet shop.

There are also smaller brokerages that may specialize in this.Actually, that would be ideal.

Networking is key, so connect with local investors and lenders who specialize in multifamily deals.

I specialize in STR & Co-living strategies.

If you do not get that tax credit its usually not profitable. 

Best bet is to try local and credit unions, possibly may have some programs for better rates.

The solution could be a creative financing solution such as a total or partial private note, an assumption of the note or LLC, a speciality or local lender, or any combination thereof.