Again, not a strategy for a newbie BUT, doing this improves neighborhoods and the real estate developers and investors who are willing to do this, can get rewarded handsomely.

Unless that investment that I used it on is returning exponential returns...which it did not   Great returns but not exponential it’s stupid to carry balances...imoSounds like they have set up the system to reward high risk borrowing   Which is a biz decision they make   So that they make more money   Juts know the rules of the game when you play   But I still do use CC it if I have to....anyway I’m going to take your advice and check into LOC from the local   

You just never know the kinds of rewards you can get from doing Charity.

Put the money to work and consume the rewards of the investment without reducing the principal.  

It will be personal preference and you most likely wont see the true benefit or burden from it until you've reaped its rewards or been dealt a swift blow such as offers not being accepted just because you have a license. 

I personally think the risk vs reward is not in favor for RE investors 

Unless you find a rather naive newbie with money who doesn’t understand the risk reward ratio.

There is more than just balancing risk / rewards, you must also consider the effort.Danny McNulty, Financial Advisor in Indiana

Syndicators want to reward their investors in a more steady flow of quarterly distributions on these properties so lower cost loans (not having to pay principal early on) enables the investor to get some cash flow while the rents move up during this renovation and repositioning period.  

This can be very rewarding but has to be approached carefully.