On a side note, what about using the "I think my tenants are using/doing drugs in my house" card?

If they have any interest whatsoever, give them your card.

However, my initial capital raise was only $187,500 and the overages of approximately $170,000 have been put on personal credit cards and I need to find a way to refinance those at something more sustainable. 

 - One interior unit will be 12,000 BTU for a large living room/kitchen space, and a smaller 9,000 BTU for the bedroom.the total system capacity has to be able to cool both inside units at the same time so 21,000 BTU or larger for the outside unit.The beauty of these is that they can be installed DIY (provided you get your 608 certification card), as long as the line sets don't need to be shortened or lengthened, as there is no brazing/welding involved, just connect the lines and purge air, etc.my dual zone costs comes in at around 2.6k to 2.8k for my 800sqft structure.

I don't currently live in Louisville but I did live there for 5 years for college (Go Cards!)

Collect business cards of professionals.

Will that full 20k balance be due the following month like a credit card? 

Don't give them money for anything - business cards, "marketing costs" etc. 

But a pattern of going nuts at Christmas on a credit card then not paying it off is a big red flag.  

First things to go is my credit card and car loan.