I told my friend about the HELoC and it's saved her a bunch of financial headache in paying off so many small bills and consolidated her debt. 

I think as the crowdfunding sites grow, they will eventually hit a 'consolidation' wave where one or two buy out the rest and then you will be in a competitive oligopoly to which you could see all those metrics you want in just a few sites....maybe, someday?

As they get older, I would think that consolidating and simplifying would be a very attractive route.Give it some thought.

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.