I don't think these apply to the OP or any of the other people that are advocating investing 3000 miles away.   

There's no reason he should pay off a 3% loan when he has better alternatives.To the OP, you and everyone else agree that the credit card has to go.  

@Marco G.Is there a question by OP?

Post 3 Day Pay op Quit

She couldn’t come up with a single reason why anyone would want a co-op.

I currently talking to a broker about his 4units MFH on the market and here are the specs for this deal:Rent Roll:4x $550      monthly returns:$2,200.00        yearly returns:$26,400.00 Income & Expense INCOMERental Income $26,400.00 Coin-op $1,200.00 Vacancy/ Credit Allowance 5% $1,320.00 Total Income $26,280.00 EXPENSES (Best guess and ests totals 5% min $200) - Management $2,400.00 - Utitlties: Water, Gas, Power $3,436.00 - Maintenance $1,320.00 - Insurance $2,000.00 - Includes Trash Property Tax $2,826.00 Total Expenses $11,982.00 NET OPERATING INCOME $14,298.00 RETURNS ANALYSIS- Capitalization Rate 7.15% - Project Cost $199,900.00 - Price Per SF $50.00 - Debt Amount $159,920.00  - Equity Required 20% $39,980.00 Net Operating Income $14,298.00 Debt Service $9,723.49Net Cash Flow $4,574.51Leveraged Return on Equity 11.44% $64,022 net worth accumulation Principal Payment - 1st Year $2,579.85 Return on Equity after Principal Payment 17.89% $64,022.38DSCR 1.4704591Year 1 $7,154.36 Year 2 $9,852.51 Year 3 $12,674.51  Year 4 $15,626.51  Year 5 $18,714.51  Debt Service Assumptions Interest Rate 4.50% Amortization 30 LTV Ratio 80%(Properties located in Wisconsin City Green Bay)  Take for a fact: I don't know the surrounding economy of the city at the moment and the area of this property.

OP - Being you are asking the question, I would assume that you are new to real estate investing.  

Hard money only really make sense for a short term strategy like a flip.Suppose it's possible the OP is just using hard money for a down payment on a conventional/portfolio/seller loan.

The OP stated that his/her reply is that it is not their policy to give specifics only that they have been rejected.

Hopefully OP experiences some appreciation otherwise numbers look tight to me.