Credit is good I have an investment property that is paid in full should I refinance or get home equity loan.?

If I were you, I would SELL the investment property, pay off the credit cards, and use any remaining cash to buy more property FREE AND CLEAR.

You will need to weigh the closing cost and rate on a refinance VS the higher rate and shorter term on a HELOAN.

Keep in mind that any NOO (investment ) refinance or HELOAN is going to have a much higher rate than a standard Primary property refiance

Never take a home equity loan. You put that money on your house and something happens and you cant make the payments you lose your house.

ONLY If you have a specific use of the money that earns you more than

the payments you would incur.

I can guide you.

free

kkemper@mindspring.com