There is a way to go conventional and put 20% down to avoid PMI and at closing-(Same time) you can take out a HELOC up to 95% CLTV which would be a stand alone second which allows you to get back some of your money 15% of the 20% but in the form of a HELOC - like a credit card that you use when you need it for what ever only paying on the amount you useIf not then you can do an FHA 203K and fix all the issue up front so that the home is up to PAR.

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?

@Steve K.Steve, I like the idea of playing the “against business policy” card.

Something else to consider is custom we buy houses shirts and some business cards to hand out if someone asks.

Seasoned ones typically choose wholesaling as their business model, because they can net 10k-30k or more per deal, in less than a month, and they aren't exposed to the market fluctuations or risks. that's a WIN for any business. 

My fiancee and I are both recent college grads and we are wanting to get our start in real estate, but we have a considerable amount of student loan debt and some credit card debt as well.

A Win-Win for you and your lender for a smooth funding process!

It seems like the previous owner knows that they will not win but, has found a way to prolong their eviction through this foreclosure challenge. 

Doesnt matter if its technically a business or personal card, but have a seperate card for the business.

They win the money, but not the mindset.My advice is read mindset books like Think and Grow Rich or Tony Robbins books such as Unlimited Power.