As another poster mentioned rates are lower than they've been in the previous 18+ months but unless some very surprising economic data comes out between now and when you did your refi it seems unlikely that rates are going up in the short term and there is at least a decent chance that rates drop a little more before then. 

What is the current interest rate on a private money loan approximately $300Kthanks 

This home has been highly operational with high rates of occupancy, bringing in anywhere from $500-$1500 a month in overage beyond our monthly expenses.

You could negotiate terms such as a lower interest rate or interest-only payments for a set period to ease your upfront burden.Lease-Option Agreement: If the landlord isn’t ready to sell outright, consider proposing a lease-option where you continue renting for a set period with an agreed purchase price.

Your existing low interest rate mortgage is an asset that you likely won't get again.To Your Success!

$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?

They offer free pre-qualification on their website where you can enter your data points to see available terms and rates.

They are not technically a teacher until they can work at a school.

I would not recommend them as their points and interest rates are so high it is extremely hard to find a deal that will work with the 0% down.

@Greg Abel Ive been using AppFolio for about 2 years now (took over from an old school firm that did everything by paper and had minimal record keeping at best).