My challenge is that three years ago, I signed onto the deed and mortgage of my mother's home (our family house) to help her refinance and consolidate debt, without really understanding what that would mean for me when it came to buying my own property -- so I technically "own" a home already. 

Are you leveraging since we are in good times or are you consolidating over leveraged debt in perpetration for what might come?

These are qualifying questions for the type of portfolio/debt consolidating program you're talking about. 

I have a SFH investment property (appraised at $390k), and would love some perspective from the great minds on BP on this situation:MORTGAGE:  Balance $207k  - Currently have ~10 years remaining on a 15-yr mortgage at 3.25% with PITI $2,464.25HELOC:  $51k at 5.99%RENTAL INCOME:  $2,680If you're looking at the numbers, should I cash out refi and consolidate the heloc and mortgage into a new 30-yr mortgage?  

Unless your self-directed IRA is a Roth IRA (since Roth IRA funds/assets can't be transferred to a 401k), you may wish to consolidate all assets into a self-directed Solo 401k (e.g. doing so could provide you more control over your investments, reduce fees charged by the SDIRA provider, etc.). 

Hi All,Does anyone have any experience in consolidating a mortgage with unfavorable terms (monthly finance charge, adjustable rate) privately. 

@Lance Tokuda unfortunately or fortunately I think there was a consolidation that was expected in the crowd funded realty space and RealtyShares is one of the recent victims.  

My partner and I are at a point in our career where we’d like to consolidate and choose the best route for our future where we can start building lifelong wealth and cash flow through multifamily investing and syndicating.

@Sonya Burns not sure if you can get a second heloc, in my case whenever I apply for heloc to have better rate or credit, the first one gets automatically closed. imo do a refi first to consolidate 1st and 2nd mortgages and then get a heloc for the best rate and credit range

You guys will hear about this deal more when I tell Brandon and David all about it in the "deal deep dive" 5 years from now ;)Just wanted to consolidate your response so you'll see that you did not just open "a savings account of sorts" because you are stating specifically that you purchased in a flood zone that the city has designated for reversion back to green space.