Suppose you have $46,000 mortgage at 8% interest on restaurant, $22,900 SBA loan, $3,900 at 1.75% interest on a microloan, $23,00 on temporary 0% interest credit cards all for the same business totaling $95,000 in debt. 

There are several benefits of having cash in the bank/liquid reserves versus an open end mortgage (a.k.a) credit card.

I don't blame them if that is true. 

I don't think a gift card is necessary at this point, but if you can exchange addresses and phone numbers that would be great.Think like a neighbor....they are going to be worried about parties, noise, trash, etc.

Hearing from many testimonials by talking to real Padsplit owners in person, it seems to be a true cashflow machine coming from a single family residence.

Your true asset hunters are in the basement, the yard, the whole property looking for ways to upgrade the asset that others are missing.You are being very smart about your VA utilization, you just want to make sure the asset is right.

We have some credit card debt we are hyper focused on paying down , and 34K in my student loans (not touching currently due to SAVE plan with the zero percent interest).

If not, stop looking for up and coming, look for tried and true.

I'm underwater with my mortgages and credit cards and bills.

I called Home Depot, they told me to dispute the credit card charges so I did.