<prompt> Human: I think this may be a straight forward question, but was curious to the insights of all you PF gurus on here. : I have 2 rental properties, one completely paid off and the other w a mortgage balance of 30k. My partner and I have a good bit of credit card debt w 0 offers expiring in the near future Id like to consolidate and pay off slowly. All in, about 45k in CC debt Id like to consolidate to a lower fixed rate.Whats the best route to go in this situation? Do many lenders refi a 30k mortgage? Id conservatively say the homes value is 130k, with some recent sales of similar models in the neighborhood going for 180-200 range. I filled out a pre-application at one online lender and after the first page was told they dont do refis under 100k. Is that a general rule or do some shops just not bother doing deals under a certain amount?Also, Im assuming itd be best to keep my other rental thats paid off untouched, right? Unless theres some great benefit to using that as collateral for a loan, Id rather keep it in the free-and-clear. : TIA if anyone sees this and has some insight.  <response>: Carrying 45K in credit card debt while paying off rental properties is not financially smart.Go get the 100k loan, pay off your credit card debt and you can pay down the mortgage with the balance of the funds if you want.But also ask yourself how you got to the point of 45k on credit cards and what you are going to do in order to not end up there again 