. $93k/unit for 50% vacancy doesn't carry hardly any debt, hence why they are capping you at $500k.

so i had zero debt or interest payments on it while it was being fixed up. 

Pooling investor money into a debt fund is another option for you, but seems outside of your current approach, Brendan. 

While your properties hold significant equity, adding debt from HELOCs or a DSCR loan could strain your finances if STR performance fluctuates or costs rise.

If i can invest it and make a significant better return after tax than paying it down I would do that but in this instance you will never be able to achieve returns that match credit card debt.

Maybe get your debt paid down, get your first deal, get some savings built up, then reconsider the potential change. 

With the help of JURNY I am able to instant book guests all day as I collect IDs, selfies, credit card holds and rental agreements on every stay (yes Airbnb and VRBO included)Whatsapp: I use this to communicate with my cleaners.

@Mary LopezNot sure if you're still looking for debt, but credit unions are a great place to look right now in this part of the market cycleGino

@Seth RolandLoans like bank statement loans or DSCR (Debt Service Coverage Ratio) loans could be great options.

We have some credit card debt we are hyper focused on paying down , and 34K in my student loans (not touching currently due to SAVE plan with the zero percent interest).