I could pay it all off, make above minimum payments for all, or transfer the balance of this last card to 0%.

Because if you leave your current employer or fired the balance will be due immediately on that loan.

As the property owner you get the benefit of the upside, but also the downside.Since you are selling the property it is really more appropriate that you pursue the balance owed as the owner of the property.  

@Andrew Johnson What would you consider to be a good balance between cash-flow and appreciation?  

1) Change my degree to finance/real estate. 2) Get a credit card (to start building credit) and use it for small things and have the balance automatically paid off each month. 3) Get a job as a loan officer, leasing agent, property manager, handy man, etc. to save more money and have W2 income. 4) As soon as you can qualify for a loan, find a house near your college campus and use your $25k savings to buy it as your primary residence, then flip it while you live there or rent it. 5) After you graduate, use your additional savings you were able to come up with to buy another house to flip/rent. 6) From there decide if you want to keep working a job and invest in real estate on the side or use all your savings you were able to accumulate in college (because everything is paid for!)

So find a balance but until you get to the point that your buying a property a month or so.. your just like thousands of small time investors.. best agents don't have time for you frankly.

How do you guys balance the needs of personal lifestyle vs RE investment capital?

As an accountant, I do not get why business owners/investors focus so much on the bookkeeping when their expertise is on investing.My typical month-end things I do as an accountant:Bank RecsAnalyze the GL (reclass, if necessary)Make sure Mortgage, Utilities, and Property Taxes are paidCredit Card ReconciliationsReview Income & Expense statementReview Cash balance (this is mostly every time checks are cut) to make sure there's enough for mortgageYear-end:Gathering all backup and documents for the tax accountant or auditorThis includes GL should be close to perfect.Review of Income Statements and Balance SheetsFiscal Year-end bank rec which should match the balance sheet's numbersPrepare 1099sPrepare any CAM reimbursements (commercial tenants properties)As for flipping - same concept, just making sure that the closing entries are done correctly.

I see 1% per month, which works out to 12% with a 2% origination rolled into the loan.Balloon payment for balance in 6 months or so.

I’ve been in real estate acquisition and development for a decade and I thought I would shed some light on what syndication is and give some balanced information on why you would or would not participate.