Hello all,Reaching out to see if anybody has any hacks for getting credit card debt paid down/off, sooner/cheaper.The debt was planned/strategic to get me into my first houshack (and has worked).I have a plan to pay it off fairly expeditiously.The current plan is to use the debt avalanche method.I am thinking that some sort of personal loan could help reduce the interest rate on the debt and provided there are no prepayment penalties on it it will allow me to get the debt paid off quicker with less interest costs.Does anybody have any suggestions as to how one would go about getting the best rate and terms for a personal loan such as the one I mentioned above?

This approach can work if you have a property manager managing your multi family house hack, I have had clients take this approach and they give up 8-10% of their monthly rent in turn for not being bothered w/ tenant phone calls. 

We got a pre-approval for $355,000 and we are interested in doing a house hack or developing something on a small property ideally in the Montavilla area, or east of 205! 

With that being said we aren't really sure whether our excess should be put towards our debt or if we should use that to try to find our first property.Personally, I would love to put it towards our first property because this is something that we've been talking about for 3 years now and I'm at a point that I'm tired of talking about it and ready to make it happen (hence me dropping out of med school haha) but I'm not sure if that's that best decision and I am just seeking some guidance on managing debt while still getting started (and it hopefully not taking us another 1-2 years to finally buy our first property).One thing that we've discussed is house hacking while using an FHA loan.

I'm selling my house-hack ready rental townhouse in the hot RE market in Norther Virginia. 

or could you house hack to begin your journey? 

Could you house hack first?

I want the property for my primary residence but will be house hacking by renting the basement.

Purchase price: $275,000 Cash invested: $12,000 This is our first house hack.

Especially in our BP world of "house-hacking."