I've been educating myself on real estate for the past 3ish weeks or so but I have about 10k worth of credit card debt should I try and pay it all off so I can get my credit score up and have better approval odds for my first investment loan (I would be using my VA loan).

I was recently referred to LendingOne by a fellow investor and just wanted to share my experience thus far as I feel there's a lot of marketing bait and switch happening with lenders that advertise terms and loan structures...Our past and current project:  We do buy-rehab-refi-hold (airbnb) rentals, not regular rehab flips.First off let me start with the things I think LendingOne excels at:Nice dashboard to upload and store all your documents to track how the loan process is coming along. 

Her Mom is attempting to take out a home equity loan on this property to consolidate credit card debt.

A cash out refinance is over a 30 year, lower rate and not viewed as a "credit card" aka debt risk.

Either begin by paying your cell phone bill or having your parents put you as an approved person on one of their credit cards if they have good credit.

So you won't have to upload any documentation for income and employment.

Do not charge up any credit cards you have, take out new ones and do not buy a car, or finance anything else new until after the closing. 

Then your getting 0% interest on the cards they get for you, which some come with rewards and points!

The force you to come up w business name on the spot to do business cards and reserve website url for a website they host, for a url they own - if you leave, they own those digital assets.

Its always good to do your own move in evaluation with photos or video and upload to the tenant file.