I have been spending the last few months saving and finishing up my degree (graduated with 0 debt) .

I do have a good job, but the quality of life that comes along with it is not great, so I would love to transition to having my money work for me, rather than trading my time for money at some point.I have invested a bit in some debt deals on crowdfunding platforms, and recently invested in a HML fund. 

The costs are Exactly the same as buying any other property.....all debts and liens need to be paid off at closing along with your normal closing costs.  

I am looking into hard money loans but have no experience here with them and with 4 other loans in my portfolio, dont think I would qualify for a conventional loan due to my income/debt ratio.

Work on yourself and then take care of the debt. 

I may be worth running lean (as long as you have adequate reserves) for a year or so if there's room to grow rents by $50-100/unit/month.The real issue here is that you're paying full retail and using the HELOC as long-term debt.

My initial thoughts are to use the $30k to knock down the debt to $10k as the much higher interest I pay on the debt means I’m losing money each month, and start again saving from scratch.

Fix your credit and change your bad habbits before you take on another dime of debt.

Typically, the deferred balance will have no interest.Total Legal Balance/ Total Collectible Debt/ Total Debt - refers to everything that the lender can legally collect from the borrower i.e UPB + Arrears + Advances.

Hello folksI have a question about a payment claim I received through a law firm representing Hoa, Orlando, Florida , villa's costa del sol A payment that was allegedly not paid in time (actually paid to the management company that collects the funds for the hoa)At the same time, the hoa company was not updated that the payment was made and transferred a demand for collection by a law firm.I turned to the management company (everything is recorded in emails that the payment was made, etc.)I turned directly to hoaThey claim that they can not do anything because the matter is already handled by lawyers.And if I wanted to sue their management company.I turned to the lawyers (every call to them is subject to an astronomical fee, the management company that manages the properties for me,In fact, unknowingly, inflated the debt when they tried to find out what it was about and why the whole mess?