Ray Dalio explains historic debt cycles and where the US is headed.

Agree with @Matthew Irish-Jones a HELOC is a great short term debt instrument and a really bad source for a down payment.

However, as they transition to amortizing loans, the increased debt service obligations are compelling sponsors to reduce or temporarily suspend investor distributions to cover principal payments.

Whether you're seeking equity, debt, or alternative financing, I specialize in aligning the right capital with the right opportunity—driven by clarity, strategy, and results.Let’s connect if you're ready to raise capital, explore investment opportunities, or build valuable financial partnerships .

Settlement of debt?

freedomfunders.ioI'm not smart enough to speak to credit card stacking / debt restructuring.I just wanted to see if anyone else has heard of this group or, has any experience.I'm looking for some working capital for a struggling business I acquired a year ago.TIA Do they have any reviews or specific business licensing? 

The key is making sure the cash flow or upside comfortably outweighs the debt service so you’re not just shifting risk without reward.

If you are planning to finance the renovations and refinance into long term debt, a hard money loan could work.

For example, if you’re in California but want to invest in Tennessee, then look for local or regional lenders within TN.Happy to share some recommendations if you’re in the market for financing.I definitely think local banks are the best although DSCR lenders are worth looking into as well these days, especially these days when debt service coverage is more often a restriction on loan amount than the appraisal is. 

Dave Ramsey preaches to the masses to pay down debt.