Taking on deals like this that decrease wealth, such as low return high upfront cost whole life insurance, paying 19% interest on credit card debt, paying 2% annually to have a “wealth advisor” place your money in Vanguard Index Funds, paying for a high cost mortgage because you’re credit is bad, and “debt consolidation” programs are all reasons adding up to why many people can’t achieve financial independence and remain dependent on working every day to live paycheck to paycheck.There is a chance that in a particular circumstance any of these, including the program offer you describe, can be beneficial in certain specific cases.  

Or use your credit card or get one if you're able to, preferably at 0% interest.

Use your heloc as a bank and put all the Money in the heloc, ask for credit card at 0% APR for 15 18 month I have list of them put all the money ont he heloc. 

Does anyone have any experience with the Aven HELOC card?  

NACA could call the loan if they think you didn't make a necessary choice, they do not consider paying off credit cards as okay.Your HELOC lender can also close the line if your FICO goes down or they find out they are in 3rd position.NACA is an amazing product no down, no PMI, low rate, no fees - you sure don't want them to call the loan.

Josh and Brandon brought different views and strengths to the show - Brandon was kind of the inspirational, "rah-rah" guy while Josh was the quintessential New Yorker, calling BS on things that needed to be called BS and bringing reality and humility to the show.

Do you see a lot of borrowers with more debt that just a credit card and car payment? 

But if you later apply to another loan and you have, say, a $0 balance on your heloc, they might look at it similarly to having balance on a credit card, which doesn't really add to your DTI.  

They seem to look at it as the balance you have on a credit card - it doesn't increase debt if you're not using the funds.  

If Property B fails, it can impact Property A and the whole house of cards comes tumbling down.It's also hard to make the numbers work.