For example, I am a little concerned about some aspects of the business cycle recovery and a potential for a double-dip so I lean toward the safest part of capital stack which is debt (or low-debt equity).

.🔴 Over-leveraged finances: Borrowers with excessive debt or insufficient personal capital invested in the deal could pose a greater risk of default.🔴 Questionable property comps: Overstated market values or inappropriate comparables may mean they’re inflating expectations.As always, thorough due diligence is your best protection.

If it was medical debt or mortgage debt, you’d be getting more help here.We know how you live - fiscally irresponsibly. 

Maybe paying off credit card debt or other debt on your report to reduce the minimum payments, increasing the downpayment, finding a house that doesnt require HOA or flood insurance (if applicable), etc.

If you do take on new debt or collections during this time, the lender will see and it will require that it be accounted for in your DTI (unless this is a DSCR loan). 

It’s also a great strategy for consolidating debt or accessing additional capital for growth.However, be mindful of potential prepayment penalties and how they weigh against long-term savings.

So at least there is some motivation for the debtor to actually continue with the payment plan. 

I don't know anybody that keeps material credit card debt or just pays the monthly statement when due.

Interest rate determines the rate at which interest accumulates on each dollar of debt, and there's nothing magical about HELOC debt or amortized debt for that matter. 

So you may need to supplement more outside money to the purchase.You can always choose to add cash so you end up owning your replacement property with no debt. Or