I am hoping to roll these two into one loan and reduce my monthly payment/ interest rate on the HELOC as I will be having the debt long term.I also currently own a 11 spot RV Park which I own all 11 units and is currently generating $10,375/month in rent.

You or both of you might think you have a $1.3M home but in reality its a $975K debt!

That means they are paying dividends out of investor capital or debt, instead of NOI.

In my experience, cash flow is key, especially for long-term holds, so running a detailed DSCR (Debt Service Coverage Ratio) analysis might be a good step here.On the flip side, if you're eyeing faster returns, a flip might be more lucrative.

I would also put part of it in a debt fund. 

Print off some contact cards, and literally walk door to door. yes, literally knock, introduce yourself, not selling anything, actually looking for some help.

Is having debt not reported on credit is your priority?

My first rental has over 100k equity and the rent is almost double the debt payment (I've got a really great mortgage from 2020 so it cashflows very well).

Conventional loans that use your debt to income / DTI to structure the loan require 12 months seasoning to use the new appraised value for a cash out refinance.

Maybe with automatic payment stuff and you can request changes to your credit card due dates, you can take as much advantage of the float.