The more monthly debt you have, the lower the purchasing power.You also don't have much for savings, there are often surprises when owning a property that you should have some reserves for.I'm not a financial advisor, but on the surface, I would sell the car for $15K, put $7K towards the credit card and the rest into savings.Also, with the $7K in credit card debt, you need to ask yourself "why do I have this debt?"

Spend 2 years at a brokerage and you should qualify without the extra expense. 

Im selling a home now that I hoped to roll the proceeds into a 1031 but everything is in limbo now because my bank may either kill the deal or charge much higher interest rates due to this error and lower than expect credit score. 

She completely ignored my non-renewal letter and the subsequent email I sent her.I am not sure what the next steps should be with the lower unit tenant who has one more months' rent to pay and is required to move out by the end of May.I am thinking I will send certified mail with payment information and non-renewal info again by the end of this week.

They seem very expensive and I’m not sure they are a good fit for me.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

They shouldn't be the most expensive, but they shouldn't be the cheapest either.

Unfortunately if the previous owner also fights back during this process it could be very expensive (since a quiet action title is actually a lawsuit).

For tax purposes, the LLCs are disregarded entities, and all income and expenses are reported under the holding company. 

We're willing to kick a bit in each month but every multifamily we run has us paying close to full rent after insurance, taxes and expenses.