I don't have credit card debt.

Regardless, it's cash flowing $650 / month / door after debt & expenses so I can't complain so far.

Trying to figure out best course of action to get the roommate out legally as well as hold the owner accountable for not delivering the property on the date per the contract.

Most local banks will quote you high 5% rates, with 5 years balloon and 20 years amortization (depending on the property age and location).Agency debt is more competitive but more often then not the loan balance need to be over $1million.

Not sure if a bankruptcy would change the parameters or not but that may be a better option for the seller. yes if the bank reports the debt as forgiven.. there is an IRS form though you can file with your tax's that says your broke.. then you don't own the tax's on the forgiven amount.. during the crisis IRS postponed this so no one got that treatment but that sunset and now short sales or debt forgiveness needs to be calculated …. the forgiven debt is tax as ordinary income so a 1 mil forgiveness could be a 300 to 400k tax bill..

Crowdfunding platforms run by a single sponsor (syndicator) as a way to raise additional capital for their dealsThe above can be divided into debt or equity.

I figure I’ll start year one by getting rid of as much debt as possible.

It will save you money over time for sure and paying down debt is not a dumb decision.If all you have for debt is your primary mortgage, it may be a great use of extra dollars at least until you get below 80% LTV and get the PMI rip off removed.

I’ll definitely look into what I can and can’t work on legally

This tenant is month to month and can be given 60 days notice to leave so we receive it vacant (double checked to make sure and it's legal).