My mom is in 10 K of CC debt and has 2 contingencies on the house (30 K of work the gov did for her as a grant, because the house was falling apart, still is technically).

Like others have said, I agree with a lot of his basic principles, but disagree on zero debt, no CC use, everything in cash etcWhat I'm starting to dislike about him is he's becoming more out of touch with the younger generation and their struggles with the current economic environment they are coming into at this stage of their lives.

I would personally recommend, at least where I am at, 50k saved up for DP, CC, and any unexpected repairs that are needed.

@John Thedford is an agent and investor, has 7 or 8 rentals in and around CC.  

You could also spend on the CC and then refinance into the personal loan, if the only one you qualify for is debt consolidation.Title Loan/Car Refinance - If you own a car free and clear, you can borrow against it.

So now you've saved money (you think, lol) and you've got your precious CC points or miles.

They have free ACH rent payments, CC payments for a low processing fee, owner & tenant portals, customization, marketing, online signatures, online apps, online screening, and more. 

I have that understanding and am looking to invest in C, C+, to B- areas to start off, build a team and learn as I goAppreciate your time! 

I would pay down your CC first before leveraging yourself even further with drawing from a HELOC. 

I just have really high CC utilization and making those debts disappear is what I am leaning towards.