Whether rates drop soon or remain elevated, timing the market correctly can be the key to securing profitable deals.For those waiting on rate relief, now is the time to identify opportunities before competition increases.

California Mortgage Relief Program). 

$40,000 x 25%(assuming a 25% interest rate on credit cards) = $10,000This is more than the annual cash-flow that you are getting from the rental.I would look at a way to paying off the credit card debt asap.Look to see if you can take a HELOC on the investment property(likely difficult).If you can't you may want to consider selling the proprety.You will also feel a lot of relief of not having credit card debt hanging over you.What is the interest rate on the car loan?

This is a great relief. 

If your interest payment is $8,125Your stocks have to make a dividiend of about $11,000 of which you would prolly pay 15% to 25% in federal / state taxes / NIIT.Assuming you will make a 10%-11% return is not guaranteed.You will also feel good about having a paid off property(relief).Furthermore, your credit score may go up with a paid off property.Best of luck!

I wanted to help them out and minimize their loss and saw an opportunity to get a property slightly below market because of my commission savings, immediate mortgage and maintenance relief, in addition to keeping a lower short term interest rate How did you find this deal and how did you negotiate it?

I wanted to help them out and minimize their loss and saw an opportunity to get a property slightly below market because of my commission savings, immediate mortgage and maintenance relief, in addition to keeping a lower short term interest rate How did you find this deal and how did you negotiate it?

Prices are sky high and there is no relief in sight.

This would be federal relief.  

You can join a "hemorrhoids suffers group" for relief but you can't join a "SubTo Community" to learn SubTo" properly and legally.