As rates came down the years and my equity grew, I did a ‘consolidation refi.’

It is a numbers game but if you make those calls you will find those ready to retire out or consolidate. 

Well, now you are under water and can’t sell (assuming you can’t come up with the cash to close).As I’ve written about before, I had for a ‘consolidation refi’ where I refi’ed three loans into two.

Wanting rates around 3.85 and consolidate to 1 loan (i am getting that rate on an investment cashout refi) as i am a W2 employee

I want to consolidate the funds, and wonder where I should keep the money.Possible solutions I am looking at:1. 

My 2 cents is that over the next decade there is going to be a consolidation...the 1st tear universities will see increased demand and the small lesser schools will go under.

BTW @Kate Zieverink - eventually, I will take my ownership interests in the larger door count and consolidate it into a much smaller door count.

The "problem" that I have is that the institutions that I'm talking with insist on consolidating the two loans.  

There continues to be a lot of change and consolidation in the space so names are changing all the time with IRA Services changing to Forge Trust just a week ago last Monday.  

Consolidated Risk in Knoxville, and Bullard Insurance Agency in Morristown TN.