This makes sense to me. I am trying to build a house, and I have recently hit a funding issue. My cash flow is the problem. I want to take on more debt to get it done, but to do that makes me starve. So my solution is to get a better paying job so that my cash flow clears up and the debt is easier to manage. The debts are not huge, just lots of short term loans that clear up in a few months. Doing this without a mortgage but with lots of small temporary loans looks a lot like this. The end result is a house that should cost $300k for more like $100k.