You have a great start and have moved forward aggressively, I advise you to take a short period of time to consolidate your financial position before charging on again.

I think there are companies that actually work out plans (not the debt consolidation ones) using income to increase credit quickly.

Thoughts on debt consolidation companies?

The TEDAC building consolidated over two dozen intelligence agencies revolving around IEDs.

We currently are using three PM's in Cleveland, I expect that we will consolidate that to two by the end of the year.Currently we are using three PM's in the Cleveland market.  

In Ohio we had a title agency that did the title check and provided the insurance, having an attorney handle it actually consolidates the people you need to know.

For consolidate LLC , I have one LLC holding one property , don’t want that many LLC anymore .

Unless she can consolidate the CC debt into a low interest rate, then paying it off with the 401K funds seems like an excellent idea given the info you've provided.As for the rest of her financial situation - that's quite unfortunate and not something I'd want to dig into any further on this forum.

Want to keep my costs low but realize the upfront investment of time/money will prob be worth it long term if i go with quickbooks.Took a look at some recent posts relating to this topic and put them here to consolidate a bithttps://www.biggerpockets.com/forums/80/topics/141...https://www.biggerpockets.com/forums/311/topics/19...long thread https://www.biggerpockets.com/forums/52/topics/801...the power of QB https://www.biggerpockets.com/forums/517/topics/24...QB rant and tip, mostly rant https://www.biggerpockets.com/forums/80/topics/257...Thoughts/Comments………………………..

Later, I can probably look for ways like negotiation or consolidation and pay off what remains.