With that, I have a lot to either pay off, consolidate, or a combination of the two.I'm going to break down debt amounts in total and by monthly payment with scenarios of what my DTI may be when paying off certain amounts of debt/accounts.Of course, we wanted to avoid private mortgage insurance, but the primary goal is to get debt paid off so I'm at a good DTI and so I can get my credit score higher for a lower interest rate.We are planning on moving to KC from the Twin Cities area in the early spring, so we're allocating about $3k to moving.So, we have about $40k in savings, including the money we made from the house sale.Income=$24/hr, $3840/moHere's how the debt breaks down.1) Credit card 1: 4021 bal, 183/mo2) Credit card 2: 8032 bal, 218/mo3) Credit card 3: 11084.30 bal, 133.49/mo4) Credit card 4: chase 401.60 bal, 5.04/mo6) Line of credit: 762.36 bal, 0/mo7) Insurance (renter's & auto) 232/mo8) Cell phone 33.14/mo9) Student loan 1: 96.55/mo10) Student loan 2: 126/mo11) Personal loan: 250/mo, about $9k balance13) Line of credit 2: 1900bal, 25.20/mo14) Credit card 5: 463.09 bal, 16/mo =1429.4215) Rent 1100/mo=$2418.42 debt payments per monthSo, $2418.42/$3840=.62979 DTI, or 63%.

Technology is at play in the palm of our hands using our cell phones.

Flipping cars, cell phones, kids toys etc. 

I am in need of guidance, my cell phone is 7089731458.

@Hunter Gibson, a lot of our clients go with whichever carrier Obie recommends.

And the gains, up to the amount of depreciation taken or allowed (whichever is greater) are subject to a tax on unrecaptured depreciation, currently 25%.Second is that you will have many other expenses such as routine maintenance, legal fees, CPA fees, HOA special assessments, tenant damage, etc.  

Whichever way it goes, there's a low risk to you. 

Hey ya'll - @Brian Watkins - So, I have it set so IF i text a certain phone number from my cell phone, it will add a row in a Google Sheet.

They have a new VP leading their commercial lending (came over from WF actually), and he'll actually take the time to call you from his cell phone on his commute.

Good luck in whichever you choose.