Before you press on, maybe take a break and consolidate. 

You also have another fun tid-bit that over 85% of people who take out a Heloc refinance in 3-5 years to consolidate or they must in order to pay off heloc to borrow more money.You cannot have (3) loans there is no way a bank or lender is going to take 3rd lien position.

I'm wondering if anyone has any creative ideas for how I could consolidate 2 loans into one that MAY have a better rate.

For Example, my Note Investing notebook has Sub Categories for Consolidated Note Resources, Goals, Note Buying Criteria, Foreclosure Timelines and Costs, State Specific Notes, Systems for The Note Business, Collection Time Tables, Note Conferences, Bankruptcy in Notes.. 

The most common reasons are down payment funds, renovations and rehab or consolidation and personal expenses. 

I want to pull cash out to consolidate debt and fund another property (Not listed above due to being in LLC) I just finished renovating until it is able to fund its self.

As a newbie investor, skeptical at first when I saw someone speaking on it in a REIA FB group, I was able to consolidate several services and platforms I was spending money on when I made the switch.

It suits my needs, it's free, it has consolidated a lot of things I used to have to use different platforms for and I like the HY savings account.

They are throwing money propositions out to get votes and I don't see data and that likely because they haven't been super successful.What is seriously needed is to consolidate and simplify government which will not happen.

We help investors all over the US consolidate their portfolio insurance plan and discuss various options.If you're interested, I'd be happy to be a resource for you.