Hi guys,I'm asking on behalf of someone I'll post their situation in numbers and tell me what's best for her please, and thank you.Primary residence worth 3.7 mil has a no adjustable mortgage 162k at 3.5%Multi family worth 3 mil and has 166k mortgage with 3.2% rate.Line of credit 124k at 4.8%.What would be her best option to consolidate all the loans under one mortgage at a lower interest.

More than half of the people who take out HELOC's end up consolidating the balance into their primary or investment property. 

My sense is that most tenants are on the Zillow and apartments.com networks and those two companies are consolidating the space right now.

I think they’d all be a great resource to you - they consolidate the information you get from the podcast and blog a little better.

Govt will socialize the home buying process resulting in lax lending criteria for those with high debt (student loans, credit card debt, auto debt) or possibly some sort of consolidating debt program for first time home buyers, that allows them to roll all their debt into a home.

Putting on my fellow Portland buy & hold investor hat now: 70% to 75% (to maaaybe 80ltv)  has always felt (to me) to be a "safe"-ish amount of leverage to get a nice return on your capital without being so over-leveraged that you're asking for trouble when the market corrects or consolidates or life throws you a curve-ball unrelated to the market. 

Hi @Eric Noble, You can absolutely sell five relinquished properties and consolidate them into one larger replacement property. 

This will provide superior asset protection and consolidated tax filing.

I'm not such a big fan of the consolidation that Compass caused.

I would consolidate all loans under one Bank.