Anyone who reads just the title please read before replying. I'm fully aware you should never use credit to invest. But here is the situation I have.
I have recently been investing with a real estate broker for a percentage return in real estate. I wanted to test the waters so I invested 25k into a project which was 9% stake in the property. After the project was completed, the property was refinanced, I got my 25k initial investment back and now I receive 9% of the monthly rent as well as 9% equity in the property. The turn around was about 6 months to get my initial 25k back. I am now receiving about $250/month in rent and I literally have to do nothing. The total project cost was 260k and appraised at 340k so on top of the rent I also have 7k in equity with the property, which I have the option to sell to another investor in the property or just hold out. The brokerage handles all property management, repairs, etc. I never have to come out of pocket again. This is all written in our signed contract. If a unit is vacant, my monthly amount goes down, but I am not responsible at all for any mortgage, bills, etc. Again this is all outlined in the contract.
Now I have approximately 40k available to use as a balance transfer at a .09% rate with a 5% transfer fee for 16 months. I can get the transfer deposited straight to my account in cash. I don't plan on using the entire amount, but would it be a good idea to use a portion of that to reinvest that way I can retain some capital in a HYSA or CD. I understand there's always the risk of the project going over budget, which would be spread throughout all the investors, or something bad happening. But this brokerage has shown evidence of multiple successful projects. Just to confirm I would 100% have the capital available to pay off the card in full if something were to come up. I wouldn't be taking out money I didn't have.