If i can invest it and make a significant better return after tax than paying it down I would do that but in this instance you will never be able to achieve returns that match credit card debt.

Next year i'll hit top pay and should start bringing in 1.2-1.3k a week. and the year after that i plan to move to linehaul and make about 2k a week.I do have a lot of debt, or at least it feels like it to me. the breakdown being;23k in college debt i got getting a bachelors that i never used across 5 loans ranging from 3 to 5% interest rate5k in bank loan debt i got getting my trucker cdl a at 12% interest rate.2.5k in credit card debt from not having an emergency fund and then having emergencies.

U know you have to live somewhere and you have to play the cards your dealt so for someone who grew up in Cupertino and lived in Palo Alto then the Napa Valley you just figure out a way..

That's a house of cards ready to fall down fast. 

Agree a conversation is in the cards but if anything it would be more than fair to agree to keep the rent flat vs any type of reduction (at least that's my logic).

This also includes a few credit cards that are used for business expenses.

PLAY YOUR CARDS CLOSE TO YOUR CHEST.

The market was very favorable from 2012-2021 for this type of thing, but eventually I would think the house of cards they have built will fall down (probably starting now as I saw they have recently tried to sell some projects off at prices that nobody would ever pay, including one of my buildings they bought for way too much, which is still worth less than than they paid for it but they are asking way, way more). 

That is part of the situation where house hacking isn’t exactly in the cards at the moment.

Leave credit cards at home in the freezer in a bag filled with water that has frozen over....lolAmazes me how many people fall for these types of programs.When I buy NNN properties either my buyers wanting to own direct and I find the property or whether they are accredited LP investor on my syndication deals they learn with me while they INVEST CAPITAL to own fully themselves or a piece of the deal.