I would stop this behavior and pay those credit cards off as quickly as possible.  

We tend to focus on how bad someone's situation must be to have to resort to such behavior.

Many investors start off "too hot" by either overdeveloping their first property or spending their money too fast - either of these behaviors will sink your ship quick and disable you from even achieving your short-term goals.

It's a quick search that I can show anyone and it provides a lot of insight into market behavior. 

Which Market Are you in: Every Market behave different behaviors..

Screen SEC 8 the same as you do everyone else, because past behavior is the best predictor of what they will do in the future.https://www.biggerpockets.com/...

You want to change his behavior.

Another plus is that it will have limited use and when people are there, they are usually on thier best behavior.

You'll be safer if you keep heavy reserves and/or deleverage(this is a math issue, but I am speaking behaviorally here).

An exception to this would be debt addicts and folks with other erratic behavior type things going on (pardon me, not up to speed on my DSM-5), but if that's not you... get a HELOC.Yes, I practice what I preach.