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

You'd be better off building a solid emergency fund and developing relationships with reliable local GCs.

We do currently have around $50k set aside for our next downpayment as well (that’s in addition to a $25k emergency fund).

Maintain an emergency fund5.

Do you have enough funds for down payment and closing costs + emergency funds 3.

However, in the event of an emergency, the Landlord and/or his agent has unrestricted access to the property.

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.

I mentor aspiring/emerging developers in my role as a part time CFO, particularly when it comes to the financial side of real estate investing.

I have my HSA, my roll over IRA, and an account I keep there for emergency funds.

They want new emerging currencies.