Been doing this for several mortgages for awhile and wasn't sure when we consolidated how to proceed.Carl

Do they consider that the cash out refi money will be used to consolidate that debit?

It sounds you receive a consolidated K1 form, which is fairly simply to capture at the federal level.My concern... is it then sounds like you would have to complete separate state tax returns for any state impacted?

It sounds you receive a consolidated K1 form, which is fairly simply to capture at the federal level.My concern... is it then sounds like you would have to complete separate state tax returns for any state impacted?

This would likely come out ahead financially especially considering it eliminates the multiple fees from the VA and closing costs in general and consolidates everything into 1 purchase.I've used the VA loan once, but the next time I move I will make use of one of the various 5% down payment methods for owner occupied homes as opposed to using up the remaining VA entitlements, and save the remaining stuff until after I retire in 3 years and will then use my remaining VA entitlement since I will no longer need to pay the funding fee at that point. 

We still ran out, so did a commercial consolidation loan with a lender that held their own loans (portfolio lender)… merging 5 smaller loans into one commercial loan in an LLC name.  

So I have No monthly payment, I also Am unable to see what I need To be paying or if I’m able to consolidate them until the deferment period is over. 

If I knew what I know now I’d have started with such a consolidated software right away.

Consolidate similar items e.g. insurance flood, household.  

It can be helpful to consolidate and have boots in ground while you’re gone.