$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?

Please feel free to message me and I can give you rate quotes. 

thanks for your time and help rent to retirement works directly with build to rent developers like us around the country once they are framed up. you are buying properties pretty much at market value but with a hand holding. you can work directly with a builder or directly with them. they are just an intermediary. they take 5% on what we make as a builder but have a large list of investors and a systemized approach to selling new builds. if you want to get a better deal I'd recommend directly contacting builders and building it yourself. fly to the market. spend 2 days, tour new builds, get a feeling for how it's going. if your builder isn't building multiple at a time then I wouldn't recommend working with them. rent to retirement is a well oiled and well run machine. they've had their ups and downs with dozens of transactions in florida but modified their process. they are well known and established and transparent. if you have a more specific market and feel confident in your ability to vet deals try it out. happy to talk more my info is in my signature. we work directly with them to sell new builds and no organization is perfect but I have good things to say about them as a builder and potential build to rent developer that sells build to rent triplexes and single family homes through them to end buyers in California like the Bay Area, Los Angeles, and San Diego 

If you’re doing all the heavy lifting, a standard agent might not feel worth it.

Need to spend some quality time roaming around here to get a feel for it.Tony

We’re based in Reno/Tahoe, so feel free to reach out if you’d ever want to chat. 

If you need any contacts that would travel to do the work feel free to DM me.

 @Zeona McIntyre how do you feel about the long-term profitability of MTRs?

If you feel the need to explain why you hit the "reject" button, you could add to any of those: We are closing this leasing process by rejecting all remaining applications in the queue. 

DM if you want me send you pics of your properties I know how that feels .