It’s concerning as I have a lot of money tied up in this.

I want to use my IRA and do a 60 day rollover and put the money back in the IRA before 60 days to avoid early IRA withdrawal penalties. .

A 0% APR credit card is a smart move for materials, but for labor costs, you might explore a private or hard money lender, especially since your loan term is only 3-4 months.

I'm having a very hard time with them and on the verge of losing my earnest money on a house purchased to flip.

I have looked into hard money loans but they are all for investors.

The absolute best way to avoid taxes is not earn income.  

I had zero money and house-hacked my way to 32 properties (pretty much!).

Just looking at Zillow I’m having a hard time making the numbers work between prop taxes, insurance, management on 20% Down vs cash currently earning 5% (albeit that 5% going away soon with rate cuts)  To be completely honest, there's not much right now that will give you decent cashflow without getting into a full rehab.

Revenues get low he just sends em out to do a random "unit inspections" to churn some more maintenance money. 

Since prices are so cheap, you don't need to worry about hard money.