Are you just consolidating? 

More consolidation by the biggest banks and asset management company. 

When they get weaker I will look to consolidate and pay down debt.

The process you are referring to is what we call a consolidation exchange, where you would sell multiple properties to buy a  larger property.

I am in a debt consolidation program, and I ask myself, how can I invest if I cant take on debt until this program is paid off.

@John Kunickundefined You need to consolidate then.

For example (all data YoY)Wisconsin 6.01%West Allis: 1%Wauwatosa: 11.9%Shorewood: 13%City of Milwaukee: 11%West Allis stands out, because it has been the HOTTEST market last year, so looks like it's consolidating this year.The April lunch&learn for the RPA will be about Milwaukee rent growth and increases.

All of these  software programs will consolidate your operations down to one system, give you a portal for tenant communication, maintenance tracking, document storage, etc.

This is a staggering difference to the RE agent landscape where vast differences in knowledge and performance seem to have almost no effect like the consolidation effects you can observe in almost any other industry. 

NO receipts to copy or review because all receipts are consolidated onto a spreadsheet by house with a description for each purchase.