ie. if you have student loan and other debt, how to structure and consolidate the debt.

However, when you're at 6 or fewer where you CAN do cash out refinances, you can certainly delay hitting the cap by using cash out refinances to consolidate as much debt into as few properties as possible.

I do not know much about umbrella loans, but it seems like they are more for debt consolidation.

The current mayor of Chicago when he was still on the Obama staff once told a meeting of bankers that one of the goals of the Obama administration was to force the consolidation of all banks (through regulation) until there were only 10 very large banks left.I have no idea which "certain consultant" Dave is referring to but I would personally love to see Dodd-Frank and the SAFE Act disappear.

But I'm not worried about a crash, it just is probably a bit of consolidation and normal seasonal slowing at the end of summer.  

Were trying to consolidate to 4 loans now instead of the 40 plus.  

We also like to pay off properties early, by consolidating debt on a few properties and holding the others free an clear.If so why and what have you found to be the result?

I'd love to consolidate this list and put it out on a blog w/BP if you'd like to tag on it w/me.  

They were purchased by Hitachi in 2002 and the consolidation of the business is still going on. 

Combining exchanges like this is called consolidation.