All debt has been consolidated to low interest Line of Credit.The company I work for will give me $24,000 for a down payment and help subsidize the interest payments for a few years. 

In either case, I intend to acquire two more properties in the second 12 months, then stop and consolidate management and financing, assessing whether the next move will be more small-to-mid-size rentals or a single large building.I'm pleased, so far, with my decision to target student rentals in Plymouth, but we'll see what more experience has to say.

True 'deals' are hard to find, so starting to network.In regards to the amount of homes/loans, banks do stop lending around 10, but if you have similar properties they can refinanced/consolidated.

One other thought, companies like New Egg and Discover offer personal loans that they sell as "debt consolidation loans."

😯 We can afford a second mortgage after some creative debt consolidating (eliminating $900/mo in payments) and the BAH is $700 higher there!

One strategy I like is, getting multiple properties (6+) and after 10 years you can consolidate, sell your laggers and use the money to pay off your most profitable ones. 

This is because for each unit you purchase you will have separate closing cost, debt service, escrow, and inspection etc.Whereas, with Multi you can obviously cut down on time and capital by consolidating more units into a single purchase, with a single closing cost, debt service, escrow and inspection etc.The other thing to consider is Vacancies.

But the 1031 is the perfect tool to do exactly what you're wanting - the consolidate several holdings into one larger better performing asset.

Keep reserves since you will need them for conventional loans.Stack cash, lend it until you find a deal and focus on lower cost acquisitions with similar or greater cash flow. or sell your properties and buy units cash or sell all and just do private lending at 12/2- best return in this market or consolidate all loans into a portfolio product with a bank and buy more using overall equity positionThere are too many options and not enough info. 

Secondly I will say a cash out with a 625 credit score will be very hard on your rate wise especially for a multifamily home, might want to work on that first because you are looking for a jumbo loan and they require upwards of 660+ normally 720+ credit score.Since you have a good income already, might I suggest you take out a personal loan and consolidate your debt first to raise your score.