Newbie Investor needs help with refinancing

[Anna Dyal]

I own a 2 family house in NY, I took out a HELOC and bought a one family home 6 months ago. I figured I would refinance the two family and clear my HELOC line so I could use that to invest.

I spoke to a lender to refinance my 2 family and I found out that it would cost atleast 25k fees to consolidate my Heloc & 2 family mortgage. Plus the payment for that new mortgage will not be that much less than what I'm paying now. So I feel kind of lost now. I am thinking about getting a Heloc on my single family house (also my primary residence), and use that line to invest since I used up practically all my savings to buy this house and my credit score has gone way down because of technically 3 mortgages under me now. 

I am open to any type of advice and input on what or how I can proceed in this situation. 

Thanks in advance.