Sometimes debtors inherit property and often buy near where they lost their home. 

So I should use my line of credit to pay down debt or save it until I'm ready to invest?

To pay down debt or to expand? 

I don't truly understand the capital needed to start the REI process or if I shoukd be paying off debt or what first..

Since I'm not inclined to purchase more real estate at this stage in the cycle, I'd rather pay down debt or potentially invest the funds elsewhere to earn a higher return. 

Instead they work for someone else, trade stocks/bonds on their own and are very good at what they do and enjoy it (read get paid well for their skills).I also know people who never have worked for someone else and make as much money as a doctor would at 30, running their own company, with zero debt or college education.Personally I’m somewhere in the middle.

Essentially, you will have a balloon payment in a few years and will either have to settle your debt or refinance. 

Many people do not like that kind of debt, or any debt.

If they buy a judgment, they can go directly after the debtors bank accounts etc...

Crowdfunding platforms run by a single sponsor (syndicator) as a way to raise additional capital for their dealsThe above can be divided into debt or equity.