I doubt many are going into credit card debt or if they are that's kind of crazy.. as this part of real estate has no smoke and mirrors generally.And I suspect because most of these folks are doing some sort of PPM and need to deal with accredited investors.. that separates those wanting to start to those who have already had some financial win's or experience and just looking for a new avenue.. 

well, you do of course and yes, even if your DSCR lender does not pay to report to the credit bureaus. the credit report is not, nor has it ever been the arbiter if you have a debt or not nor is it the only way the an underwriter will see that you have a debt.)

- still no debt or are you considering a cash-out refi now or in the future?

So I for one think the 30k number in 20 years is a very realistic number to have to live a very nice lifestyle as long as you have no debt or minimal debt. health insurance auto insurance TAx on your home and utls food clothing etc is going to run folks at least 5 to 7k a month.. so what great life is one going to have on 3k a month.

However, I think from a financial perspective, it's likely a better idea to pay off the debt or add the money either to a taxable brokerage account or a retirement vehicle like an IRA.

Well, the investor/debtor had moved into the house.  

For example, I am a little concerned about some aspects of the business cycle recovery and a potential for a double-dip so I lean toward the safest part of capital stack which is debt (or low-debt equity).

For example, I am a little concerned about some aspects of the business cycle recovery and a potential for a double-dip so I lean toward the safest part of capital stack which is debt (or low-debt equity).

You don't need to put money down on a VA loan and given you won't likely be able to beat that interest rate (at least in this economy) so it would make more sense to use as much debt as you can and either pay down other debt or invest with the money you were thinking of putting down. 

Problems I am facing include, having to fish to pay off this tax debt or using the money I make fishing which could be 30, 50k in three months , and then fish some more to invest, but I’ve been at this for 7 years and every day I spend on the boat I want to jump over when missing home 😆.