Putting more debt on a property that is a potential problem just adds to your problems.If you find that you'd ultimately rather sell the property and find an investment property with better potential, a 1031 exchange could be a good option to make use of all that equity and reinvest into something better.This would allow you to defer all of the tax you would normally pay and reinvest it into another investment property/properties and scale into better real estate and markets.One other question that might make a significant difference: Have you lived in that house for 2 out of the last 5 years?

Minkow's book claims all of his share of the book's proceeds would go toward repaying his victims.[4] His other substantial debt is a $7 million loan from Union Bank.[25]In 1997, Minkow became pastor of Community Bible Church in San Diego.

Same for credit card etc only time you need different accounts is for different entities 

You mentioned your income is around 40k, so if your lender allows up to a 45% debt-to-income ratio, that gives you about 18k per year or 1,500 per month in total allowable debt (including car payments, student loans, mortgage, etc.).Just as an example, I pulled up a property at 4527 E 60th St, Kansas City, MO 64130.

Since we would NEVER get another deal as good, I just tore the ROLODEX card in little pieces for the person I was speaking to as they told me why they weren’t ready to buy.   

New hereWhat do you all see for open credit cards in applications?

With EBT they can buy pop, skittles, beer, whatever, with their EBT card - it once was called Food Stamps).

If you decide to move forward with debt consolidation, make sure you carefully research the company you’re working with.

my research shows 2.99% fee with Debit or Credit card to tenant if they pay use these forms of payment.

my question is what are you going to use the credit cards for?