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?

Also it may make more sense to break the debt into 2 loans so you can stay in the conforming loan limit space on the first mortgage.

I would also make sure all of my debt is long term.If what you're doing is working, why not keep doing it?

The cash flow from a property is a fixed amount based on expenses separate from your debt repayment.

Looks like you are more or less breaking even with 800K worth of debt.