It is going to be near impossible to cash flow on a property with 100% financing, especially if that partners rates are above conventional rates.

Really wish we would have learned how to better utilize buying real estate and finance and how life changing it can be.

$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?

Lenders or investors who have short lock up periods but have years of experience feeding their business with new capital would give me more comfort but anyone who is just starting and is promising a rate of return or return of capital in a set period of time would be alarming because they very well could be reliant on fresh capital to make good on that promise and that usually ends poorly.

We have a 3% rate so dont want to refi but the property has appreciated quite a bit so would like to tap into that equity to fund our next deal.I am having some trouble finding lenders that offer helocs on investment properties.Does anyone know of any banks and/or lenders that do helocs on investments?

The only issue is the interest rate is 7.125%.

The environment now with higher interest rates and higher purchase price does make it more difficult but definitely doable. 

When you finance through national lenders, in your experience, is a balloon a common requirement for commercial loans of this nature or is it possible to get a fixed rate for 30 years?  

Interest rate is 7% and HOA is high ($760).

If you aren’t saving the money up to buy another property chances are nothing will pay a higher rate than paying it towards your mortgage.