Plus, that is the cheapest that money will ever be for you.  2.65% interest rate? 

Elite’s rates are a little higher but they sound MUCH more flexible.

$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?

There are best practices on certain items that provides a guidelines.Commissions are always negotiable like any other services, you can shop around for the best value for money.All depends on the risks that you are willing to take.

It's the boring places that probably won't appreciate above the rate of inflation that will provide real month to month income. 

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.

It’s quite appealing as a long term investment - even at today’s rates.

I think it's very dependent on the property and market. 

But, depending on who you're renting it to, they can be rough on the house. 

And it's very pertinent to today's environment because it doesn't look like interest rates will be coming down much, if at all this year.