Refinancing portfolio loan

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How do lenders structure a refinance for a portfolio of loans? I understand that there are ways to either bundle it all into one loan? But you could also refinance it loan to house for each single property. Would you be able to do different loan terms when doing so?

Would the closing costs stay separate for each property?

How would a equity line of credit or loan work under this kind of deal?

A ton of questions, but still new and figuring my strategy for my real estate investing. Thank you in for advance for any and all of the help and tips,