But I decided to take a stab at it even though I don't have all of the information because I feel this is a common problem with some investors. First, credit card debt can run your credit scores up.
Many people use their credit cards for fix up cost but then it takes a while to get it down.
What I would recommend in this situation is to try to keep your cost associated to a given property, on that particular property. You can do this by either refinancing the property after fix up, or paying off the expenditure after sale of the property when selling. Therefore when the bank is figuring you budget, they show that you have a higher debt then you show. Thomas, before I could discuss this any further, I would need to have more information. But at least you have something to think about.