I asked them if there is an option to consolidate my accounts into 1 place, and they said that it's not an option (pretty ridiculous in 2022), Trying to see if there is a solution to that or if other vendors do that (Google?)

@Bill Brandt The other big variable is the swings in the consolidation and un-consolidation of households, which is tough to get good stats on but it's likely one of the largest variables that swings prices and rents. 

Personally i am already looking at consolidating some personal debt. (15k) but my credit is still good (700’s) will my debt to income ratio be a major factor here or will the equity put in the house suffice for approval? 

When doing a diversification or consolidation exchange the IRS is not concerned with the number of properties but rather the amount.  

But a good consolidated game plan can get you there. 

@Khaled El Dorry - Consolidate them into commercial mortgages and restart. 

Real estate wise, I'm planning on diversifying my portfolio across different pms and contractors to keep everyone honest, and consolidate my rentals to one metropolitan area instead of spread out across four, assuming I can unload at fair prices, and buy between 5-8 properties this year.

The CDC moratorium was originally set to expire on December 31, 2020, but the protections were extended by Congress under the Consolidated Appropriations Act, 2021, and further extended by another order from the CDC.Protection under the moratorium is not automatic.

We did a consolidation refi - merging 5 properties into 1 commercial loan - but just know that the Fannie Mae guidelines say, "how many financed properties are in your name" - not "how many loans do you have in your name.  

In Boston, I know there are limitations on consolidating real estate parcels if one is classified as "condo parking".