In the example above that would be $100K*80%= $80KYou can apply for a HELOC at 80%, use that money and pay off the credit card debt or at least most of it.Important final point, and I think that is what Caleb and Charles are pointing towards: Ask yourself if that balance on the credit card is a result of spending you had to make at that point in time (i.e. emergency) and with a frugal/practical mindset, or was there spending that as frivolous.You might say: "it was a little bit of both". 

I thought I would add some stats for San Diego to demonstrate what @Charles A. was indicating.  

Has anyone heard of or had any experience with Kimberly & Charles Petty or any of their programs?

If you're looking to establish a banking relationship with a bank you're hoping might lend to you down the road try Bank of Charles Town.

@Charles Lemons I didn't get the best results, personally.

I'm having a tough time finding returns on our money and have thought about the funds in a money market with Charles Schwab.

I can be done, especially holding properties, as the island is going up fast, and will continue to, but as far as cash flow, it's hard to beat a place like Prince George, where you can find the golden 1% if you look hard enough.

They specialize in accounting for property investors and the owner (Charles Shapero) has several properties himself so he understands from the investing side.I will send a separate email to you with their contact information should you be interested in talking to them.  

Hi Marie, We are investors who live in Lower mainland South Surrey area but we invest in Prince George B.C.We go to a fun event on the last Sunday of every month in fleetwood Surrey with a great teacher name Anton.

@Alex Johnston From my experience, and having a healthy, happy, and fiscally-respectful relationship, I can say that doing the total opposite of what has been suggested to you here is what worked for me.What @Charles said is spot-on.