It is very time consuming to create an actual MLS offer and if you aren't even remotely in the ballpark, waste teh time doing that?  

Go on NJ Division of Consumer Affairs website to look up licensing process.

Definitely need to budget your additional expenses and time- utilities, turnover, consumable supplies, etc.

I read the book "Quit Your Job in 19 Weeks or Less - The Ultimate Real Estate Investment Blueprint" by Sean Terry and was consumed by the concept of wholesales.

However, as the other comments state, it can be time consuming and there is a lot of back & forth involved. 

The most cost effective methods are sure to be the most time consuming but if they produce deals, then it's WORTH IT!

It is a relatively recent phenomenon that consumers need to be protected from themselves. 

@Craig Jackson  I understand it is a tough decision and can be a time consuming decision to come to a conclusion.

Definitely fishy considering this from the CFPB website "The Bureau of Consumer Financial Protection (Bureau) is amending Regulation B, which implements the Equal Credit Opportunity Act (ECOA), and the Bureau's official interpretations of the regulation, which interpret and clarify the requirements of Regulation B.

I'd pay off the debt.I paid off $87k in consumer debt and the payments I no longer have to make help propel me to complete freedom.When I was getting out of debt, my plow-back (re-savings rate) was huge and I saved my money back much faster than anticipated.My guess is you will buckle down and re-save the $37k more quickly than you think.