I have a client right now that didn't take my advice and has 5 loans he is trying to pay.

He is going to have to file chapter 11. You want to avoid stacking beyond a short term 2nd like the plague.

I am sure you have had a million PM's from brokers and lenders trying to get your business by now.. If you haven't found the right one yet send me a PM and I would be willing to run the numbers for you and give you my advice whether to pay off ODC or get a 2nd or just ride it out. Sometimes not making a move at all is the best course of action.