Hi TJ,I would say a HELOC is definitely the best and most efficient way financially versus conventional financing.I work at a bank and usually would recommend HELOCs for investments and financing or refinancing to consolidate debt. 

Fast forward to present and I have been trying to work with a banker to consolidate my debts.

In other words, our business plan would be to consolidate under one company to establish assets in a portfolio for future financing needs and larger deals.I have read through the forums about the Due On Sale clause, going into business with family members, the need for umbrella insurance, the need to speak with a lawyer, etc.

I would love to consolidate the two notes down into one note -no cash out.  

You can consolidate your existing IRAs with the 401Ks from previous employers into a new self-directed IRA and gain the control how those funds are invested.Good luck to you!

My loans (even after consolidating) are at 5.2%.Should I cash out and knock out my debt?

Consolidation is happening in real estate.

Hi, You can save money by consolidating plumbing walls.  

If the platform runs out of cash, there is no one there to communicate with investors, workout the problem deals, or worst case result in a bankruptcy that consolidates the SPEs in with the platform creditors.  

Cap rate is a good example, property type, or some combination.Most my deals come via email as well, but it's consolidated by those sending them, so I just have to scan over it and if something looks interesting I ask them to send me more details about that deal.Example email from this morning:Triplex downtown$250k.2 bed 1 bath, 1 bed 1 bath, 1 bed 1 bath$2,320 month rents$399 avg month utilities$150 avg month tax and insurance Duplex South Stafford$250k3 bed 1 bath and 2 bed 1 bath$2,250 month rents$350 avg month utilities$192 avg month tax and insurance SFH Spotsy Greenfield$150k3 bed / 1.5 bath$1,265 month rents$0 avg month utilities$110 avg month tax and insurance