unfortunately there are a lot of us in this situation. 

If your situation falls under a different set of circumstances, I’d love to hear it and offer my thoughts on it.This really could boil down to the impact COVID-19 is having on the mortgage industry.

The credit card company sent a query and the appraisal company lied to them saying that we had signed an agreement no to charge back the fee under any circumstance. 

Nobody can give you proper advice without learning your entire business and financial circumstances.

In my experience D properties are never worth it under any circumstances.

Unfortunately today in most instances, you could expect to come in with at least 20% + closing costs to close a hard money loan.  

Unfortunately in my area this is not an option.

Paying off or acquiring more properties will depend on your individual circumstances and goals.

There's always a reason not to do something, or to stray away from it, but you need to think more about how you CAN get something done, despite the circumstances.

Unfortunately, I don’t have family/friends that are familiar with the field to reach out to for advice.