We have some credit card debt we are hyper focused on paying down , and 34K in my student loans (not touching currently due to SAVE plan with the zero percent interest).

So I used 0% interest for a year credit cards to pay for cap ex things that popped up or a rehab etc.

I'm underwater with my mortgages and credit cards and bills.

The 14 day trial requires your credit card information.

I called Home Depot, they told me to dispute the credit card charges so I did.  

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). 

sometimes to reduce borrowing costs, I'll use a hard money loan solely for the purchase, and then pay for the rehab in cash or use a 0% credit card (I don't recommend that for new investors!)

This might be a rookie mindset is it bad I don't care for cash-flow at the moment in my eyes if someone helping me pay down my mortgage and build equity I'm okay with that.

Depeding on the amount get a credit card that has no interest for 12-18 months. 

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.