Hello all,Reaching out to see if anybody has any hacks for getting credit card debt paid down/off, sooner/cheaper.The debt was planned/strategic to get me into my first houshack (and has worked).I have a plan to pay it off fairly expeditiously.The current plan is to use the debt avalanche method.I am thinking that some sort of personal loan could help reduce the interest rate on the debt and provided there are no prepayment penalties on it it will allow me to get the debt paid off quicker with less interest costs.Does anybody have any suggestions as to how one would go about getting the best rate and terms for a personal loan such as the one I mentioned above?

You have the option to either pay monthly PMI or buy-out the PMI which should reduce your interest rate.

These items can be depreciated over 5 or 7 years: Fixtures, furniture, controlled access gates, alarm systems, computerized systems, security systems, movable partitions, etc.This accelerated depreciation strategy allows the property investors to immediately reduce their tax liability and in turn, increase their bottom line by offsetting income.

To reduce your water costs, do a “water walk through” and ensure each and every faucet and toilet does NOT drip or run.

@Lamont Marable I'd reduce the number of options.

Go for the multifamily and get started, then put your energy into building a network of investors here and in your market.

There are some “shared driveways” that are essentially shaped like a “T” and reduce the buyer pool considerably, which in turn reduces the value of the property.

I agree with others to not take any action on the posts since you'll likely be wasting time and energy.

Have you ever been in my situation and found a way to reduce out-of-pocket cost?

You won't make as much money but you won't add additional stress either by putting in more time and energy on top of your "stressful W-2".