It's a balancing act, in my opinion.

Knowing that interest payments of 23% would kill my progress I did a balance transfer.

If title passes from the original borrower to another person or entity, the bank could call for the balance of the loan.  

A handful of tough years are infinitely better than not being able to get a loan or a CC for 4 years and then spending the next 6 only being able to get crap loans and low balance CCs.

In my opinion a successful business will outperform a solid RE asset in a given year (subjective), focus on turning your landscape company into a cash flow machine and push every dollar you don't need into REI to preserve, protect, and grow your wealth as PASSIVELY as possible.After you get to a better balance and have some rentals under your belt fix and flip could be your second business.

Adding that to the $203k in 1st and 2nd mortgage balance would give you a market value of $391, which is way above your $320k ARV. 

Currently, I have one credit card and pay the balance off every month.

Obviously I would not be claiming the charges as business expenses for tax purposes and the interest is a non-issue since I pay the balance of each month. 

They got us to go outside, gave us an hour to call all our creditors and tell them we wanted higher balances and lower interest rates.

I hate to say it, but you have to balance the security such a site can offer with the return on it for rents and vacancy.