In the example above that would be $100K*80%= $80KYou can apply for a HELOC at 80%, use that money and pay off the credit card debt or at least most of it.Important final point, and I think that is what Caleb and Charles are pointing towards: Ask yourself if that balance on the credit card is a result of spending you had to make at that point in time (i.e. emergency) and with a frugal/practical mindset, or was there spending that as frivolous.You might say: "it was a little bit of both". 

However if you aren't from the area and are not intimately familiar with it, it's harder for you to find good deals.As a New Yorker, I can certainly relate to this frustration!

The customer service for investorcarrots good, but you still have to put in time to set up a good customized site, versus the out-of-the-box version.You could also just set up your own Wordpress site for under $100 and pay $5/month to host it versus the $99 investorcarrot/ investorfuse cost.  

DVR is still superior in my mind, most of the cloud ones still aren't quite...there yet...if you're looking for constant and consistent recording of everything that happens.If, however, you just want to open an app and view what's going on with limited ability to go back in time and are willing to put up with some gaps in recording, probably ARLO or ARLO PRO are the best at the moment for easy setup and interfaces. 

@Jacob Lapp I don’t believe in timing the market, at least if you’re in it for the long haul — BUT, if there was ever a good time to be BUYING, it’s now.

Lost in time, lost in the inability to negotiate low enough prices and inability to hold each individual company providing service accountable.  

He also does all of the screening and lease paperwork via Docusign.2) Become intimately familiar with the neighborhoods you invest in.

You must know the acquisition prices intimately, the market rental rates, and be a very strong operator when managing the properties.

You're accelerating your amortization, basically "fast forwarding" in time past a bunch of interest.

In reality most guys will stop paying at this point but it's s thing that can be pursued on your end. it's a legal protection put in place so victims of intimate partner violence can get the abuser out without fearing becoming homeless themselves.