hard money loan or save

[Christopher G.]

I am coming into a little bit of money and have a dilemma... I have about 10K coming and debating to pay off credit card balances down to 0 each, as well as a certification, or use that money to invest in a property. I do not have cash to put into a property at the moment. Paying offpaying the cards & cert will give me an extra 1200/mo but I lose the 10K. A part of me is saying "pay the debt and be patient", the other part of me is saying "get a hml and go for it". There are plenty of smart investors in here, I could use some input.

Thanks BP Family!