When underwriting a property, assumptions related to its debt can have a significant impact on returns and valuations.

Hey Al,I think the best move is to fund through the 0% credit card first.

You say credit cards, loans, car repo, student loans, collections and child support.

Obviously at 67 your goal should be to limit debt/risk but you still own quite a but free and clear so it'll be OK.

That doesn’t add up unless you have lots of other debts.

You'll still have the same debt.

Everyone knows the BRRRR method - Buy, Rehab, Rent, Refinance, Repeat.It’s built on the idea that leverage lets you grow faster.That worked great when money was cheap and banks were eager.But in today’s market, the same leverage that once fueled growth can quietly eat away at returns.Here’s an alternative I’ve been studying - something I call the Reverse BRRRR.It keeps the real estate, the cash flow, and the repeatability… but removes the debt treadmill.Here’s the basic structure:Buy homes in livable condition at a discount.

my point was, that won't work as you won't generate enough cash flow to buy without debt for decades. 

I have some personal loan, credit card debt.

I have tried very expensive courses but they talk a big game and just leave you in credit card debt.