You gotta get out of the high interests those cards are charging you.Check out Robert Kiyosaki 's system to pay down your debt.I hope this helps and good luck!

That's how I got to my goal in real estate, so I highly encourage everyone to get out there and meet people in person. 

If your tenant's income level is high, this could maybe be worth it, but doubtfully so.

If I own the pharmacy, I have:Rent - a premium, high-rent payer,Credit – tenant has great credit,Building - vertical improvements in the form of the building,Site Improvements - in the form of a parking lot, curbing, storm controls, etc,Zoning – I own real estate zoned for a broad variety of commercial uses, andReal Estate - I have a great piece of underlying ground on the hard corner of a signalized intersection with the highest traffic counts in the area.There is a market for this type of product.

We have a high income and paid an extra 40k in taxes last year... we are looking to find a way to avoid his this year.

Don't give yourself false hope with expectations of high returns without doing all your homework.  

I think it's unlikely you'll find a builder in that area that will provide high-end finishes at $90-110/sf.If you're willing to manage the project yourself (and bring in subs), those numbers seem reasonable, but not for a turn-key builder.

Living outside your means can make high income earners broke while living within your means can make low income earners wealthy. $500/mo cash flow is great but becomes pretty meaningless if the person makes irresponsible financial decisions. 

If you don't need in-class learning, I highly recommend REAL University online course.

The rates will be higher than conventional rates but not as high as hard money