I've had a little bit of experience dealing with getting bad credit secured loans. I had a business partner that had a bankruptcy in their history so we always needed to compare loans to get ourselves the best deal when we looke dto getting properties.
As an individual I have always looked to lower my interest and monthly payments by looking into debt consolidation. With a home and a bit of equity in it I could always find a way to increase my cashflow and lower my monthly payemnts. Casghflow is king and allows you to do a lot more things now than you could with out it. Typically rates on Mortgages are low enough that using your excess cash flow to invest in other things pays off.
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