Needing next step advice…

Im a 29m and my spouse 26F , we have now a 3 month outdated son, and we’re looking for monetary recommendation/ideas

Now we have a 42,000 private mortgage and Owe 11,000 on one automotive= w/ a month-to-month price mixed of = 1,280

That’s all our debt not together with lease and utilities which these come to only beneath a $1,000 a month- meals price are month to month for us 🤷🏼‍♂️

We make a mixed NET revenue of $4500 a month

Each have credit score within the mid 700’s

We at present lease for reasonable from household however wish to get a modular on an acre of land we personal.

(The land we have now in our space is effective extraordinarily construct in a position and flat )

We’re wanting to make use of the land as a down cost after which as soon as moved in and settled refinance to hopefully add our different debt to our residence mortgage ???

Is that this a sensible plan for this , what would a few of y’all do ? Now we have had approvals for greater than what we have to get the modular we have now picked however unsure if it’s a sensible transfer or not TIA