I share this with you to illustrate that it isn’t difficult to scale in the Triad area (Greensboro, Winston-Salem, and High Point) of North Carolina and that you can cash flow even using hard money at 12%.

Below is an article illustrating learning from people smarter than you.http://www.biggerpockets.com/renewsblog/2015/06/20/5-reasons-joining-mastermind-group/

Not a bankSo for me I'd keep dumping money into it and as for the credit card debt I can understand that it's likely crushing you as far as payments, but have you heard of the Debt Snowball as illustrated by Dave Ramsey?

It's capable of doing Adobe Illustrator type stuff, but the difference is that it also has automatic dimensioning, which you need with technical drawings.  

The strategy is in the managing rental properties book, used to illustrate a method of getting rid of problem tenants, but the practice can be used in multiple scenarios.

See the illustration below.In a declining market, the current rent actually reflects property prices or 2 to 10 year ago when prices were higher.

The one we use is illustrated below.I will briefly walk through each step, but focus on location selection.LocationLocation is the most important investment decision; it is not the property.

It is absolutely appropriate, because it illustrates what happens when reserves are not saved up for.In many states, including WI, laws have been enacted that require HOA's to keep adequate reserves.

If, as Lucas Hall suggests, Cozy doesn’t receive revenue from accepting credit card payments, then there should be no reason Cozy doesn’t add this functionality.Lucas, as illustrated above, the landlord’s choice of payment acceptance can have a profound impact on risk.

Just an overly simplistic example to illustrate the point.