They're good to have open access to capital/cash/equity to a property ahead of time so you can execute a deal or purchase when the time comes on a split second decision (versus having to apply to a loan at that time which might take 20-45 days to get approved/closed/etc plus by that time you dont know what your future income/credit/assets will be like in order to qualify anyway).The second use is sleep at night factor and having a reserve of capital in the event an emergency event occurs in life.For these two reasons is why I use lines of credit.

Credit, Criminal, and eviction seemed fine.

Clients are getting much better terms using their local credit union, and generally really appreciate being the good advice and direction.

I don't know her story but it is possible she has a history of being scammed which is why she spends so much effort in spotting scams. 

Not sure if these are all investment properties or if you're including a primary or second home, but my suggestion would be a cash out refi of an investment property to pay off your debt, and a line of credit on your primary to have available for reserves if needed.

But by putting the properties into the business name you can avoid having the debt reported to personal credit so long as the funding lenders servicing company allows for it.

Looking to knock out all credit card debt early next year and rebuild the 6 month emergency fund.

The 14 day trial requires your credit card information.

To do well, build a strong money base, keep a good credit score, and look at other loan types besides FHA.

Suppose you have $46,000 mortgage at 8% interest on restaurant, $22,900 SBA loan, $3,900 at 1.75% interest on a microloan, $23,00 on temporary 0% interest credit cards all for the same business totaling $95,000 in debt.