Multi family (small or large), SFRThe six plexes you are describing due come available some times for sale  (especially New Britain or Bridgeport), but you need to know the area to avoid the wrong side of town.

You're describing refinancing but saying consolidation.

It also  seems to fit you, as those are the two things you described that you want to do. 

I have had a spectacular failure that I hope to never repeat, that I have described on these boards before.

I would say in a place like you are describing, it won't have much of an impact.

Please indulge me for a moment while I introduce myself and describe my understanding of the property:About me: My goal is to replace my earned income with income from long-term buy-and-hold properties.

Are you advocating for Multifamily in an area like @Todd Kalsey describes as opposed to single family housing or would you stay away from an area where the growth trend is focused on new apartment developments?

Specifically information that will help me complete a deal like I'm describing won't go unnoticed.

Mom's properties are mostly like what you describe in Old Town Anacortes: single-family units that she turned into duplexes or triplexes. fantastic returns!

If you could, please describe how you define a B/B- neighborhood and a few commentators could probably tell you price points you are going to pay to find that.