So, if you want to go to the cigar lounge or the CC  . . .

I have been paying debt, saving money for DP and CC.

Originally posted by @Scott Mac:It's not my business model, but having anyone live outdoors like an animal in the USA when they hand out Section-8 to illegals upon arrival is a hard pill to swallow.They need to sort the homeless into short term vs. forever types.Steer the help to the short-term helpable when they need it, and publicly house the "more eccentric" types out in the county away from civilization.Maybe have a poor farm where they can plant gardens to feed themselves if they are able...something to keep them busy.It would give all of them someplace to live indoors at least.This street begging/tents on sidewalks thing is Un-American.Just my 2 centsdo you recall the CC camps during the depression this is what your saying and what we need. 

If that's CC debt, there's no way I'd rent to them.

OK quick advice so I'm refinancing my duplex I've only owned it for almost one year, The real estate market is hot out here in North Idaho the home gotta appraised for 100 K more than purchase price They only give you 80% of the appraised value with a cash out refi , I was hoping for more but they're only willing to give me 17k at the closing table, It will raise my mortgage $200 monthly from 1880 to 2080 Since I'm house hacking The $1400 for rent on the other side supplements my income Which leaves me not having to pay too much to cover the paymentI've been going back-and-forth, but I really need to pay off $17000 of credit card debt It will raise my credit score significantly at least and then I'm thinking 6 more months down the road I can move it to a conventional loan or take a take advantage of FHA Program that lowers my interest rate if I have a good credit score to lower my payment right back downMy credit card bills amounts to 490 monthly( This is just the minimum payments) If I do Go through and take this to the closing table I will be saving $300 a month instantly By having to not send out 490 monthly in cc bills although my mortgage will go up $200 should I go through with it or try to plug away at the cc debt for the next year !?

To me it could be cool to use a CC and get the perks of having points for travel & such (thinking SkyMiles).

If I can access hard money between $50-75k (this has to be Total all-in cost- refi cc’s-rehab cost-initial cc’s) where is the best market to BRRRR?

Quote from @Brian C.: My insurance went up a little but not that much on two mountain properties..

Currently speaking with a couple lenders and numbers in each area (cc and rate) are all different.

Let's keep it small, $10k in CC debt versus a $25k investment that would generate more cash flow and help to pay off debt faster.