First Post: Advice needed on my real estate

[Christopher S.]

This is the first forum for real estate I have joined and look forward to posting more.

I am looking for a way to combine all my loans possibly into a commercial loan etc.

I would love to hear any suugesstions that you may have.

6 mortgages ($310k combined)
2 home equitys($55k combined)

2 Duplex's

3 Single Family Homes (soon to be 4)

14 raw acre land tract

1 Billboard on I-24

I owe roughly $365k and the appraised value as of 2010 was $540k.

My rates are 3.9% and 5.9% on the helocs and anywhere from 5.625%-7.875% on mortgages all on 30 yrs.

My credit scores range from 680-705

Should I try to lump all these into one loan? Or keep my lowest rates seperate and lump the others? I also have less than $8k in savings so I can't put down a huge amount.

Thanks in advance