It would be better to open a new card with 0% interest on balance transfers, move your debt to that card, then pay it off like a mad man before interest is charged.Your scenario indicates you aren't financially disciplined.

The lender may call the loan and want you to pay the remaining balance.

Long-term rentals offer great stability, but mid-term rentals can be a fantastic balance of higher returns with less turnover.

Offer a personal guarantee (reduces investor risk if you have the balance sheet for a PG to be worth anything).  

I'm passionate about creating secure, long-term housing solutions that balance tenant stability with strong returns.

You could do a cash out refinance or even look at a balance transfer at 0% for a couple of years.

These tenants ahve all of the signs of never paying you or paying a little as their balance continues to rise.

That being said my residential rental will have a positive cash flow of $500 and I plan to rent out this other side of the duplex immediately and will have a balance of 600 to cover for the mortgage.

(eg: installment payments over 50 years, having the balance balloon upon his passing, etc). 

Knoxville isn't a luxury market. widen the gap and do new construction. find infill plots of land in better locations and have more control. work closely with a builder who Is working with investors. we have flippers who did hundreds of flips then they graduate to new builds and say it's much easier. if you have the balance sheet you'll be fine. budget 20%. new construction commands a 20% premium and is much easier to duplicate Over and over and much less risk.