In '06 I had to have two loans on teacher pay, did not have enough reserves for a down payment, assumed value would continue escalating and would refinance/consolidate both loans, with increased equity in a few years, and live here another ten years, retire and go home and live in Texas in a modest, low cost home, for the rest of my life.

If they are you may be required to consolidate.

I understand the need to consolidate this so that you only have one person answering to you on this, but the expectations you have are very demanding, and thus would be pretty stressful on even the most competent employee.

Only reason they want a mortgage is because they want to refinance and consolidate some loans they have.

You need to look into getting a loan from one of those credit consolidation companies and then get in credit repair.

About a year into it my partner was able to qulify for a loan to consolidate all expenses into one loan.I think we both got a bit scared that we will never be able to sell it.

Here’s what I believe to be the final, consolidated set of 2010 goals.

isn't always enough to determine equity, since they could have done a cash-out / debt-consolidation refi recently - yet owned for decades.

If we can swing everything we would have $350 ( house and tax insurance) for second home  $695 for 1st and no minimum because it would be consolidated.

Have you thought of the consolidation of the assets in a fund to be able to revaluate it regularly and get more money for new flips ?