How much ... depends on what you think would make sense to you financially. 

It was part of an effort to declutter my financial life.Now let's hear what @Steve Vaughan has to say about credit cards. 

First thing you will need to do is get your credit scores and all of your financial records together. 

I have a loft down in the financial district that I wish I could rent (rental cap) and I bought that back in June of 2016.

Longer term goals include:Building wealthMonetizing what I hope will be a passionGain some residual incomeBuild a business of my own Ultimately provide financial independencePersonal fulfillmentLooking forward to expanding my knowledge and dipping my toes in the water with the hopes of someday being fully immersed.

I am willing to take a partner with financial backing in on this deal contingent on the inspection and a walkthrough of the property.  

I am willing to take a partner with financial backing in on this deal contingent on the inspection and a walkthrough of the property. 

You may get lucky and find an "occupied" property vacant.If not, you'll get your best results offering cash for keys for a property delivered vacant in broom clean condition on a date certain.If you need to evict you may save some money vs. cash for keys but that definitely does not mean it's the better strategy financially.

However time wise and financially, building is about the same.

The restaurant expenses are getting too high that now they're dilemma is whether to refinance the HELOC, do a modification on it  for financial hardship , or sell the house to pay off CENLAR (loan administrator) and put the difference as a down payment somewhere else.