I have seen nearly a complete swap in my business blend.  2021 was primarily refinances; cash outs or portfolio consolidations mostly. 

We have used the proceeds to pay down other mortgages... going from 19 loans to 9 through cash out refis, a few sales, and doing a consolidation loan!  

Do we cashout refinance and consolidate the existing debt?

& yes you’d basically just explain what you outlined above - that you got the personal loan to consolidate your debts, minimize monthly costs, etc. those would all be acceptable rationale to a lender.

"Denver" was getting mentioned too frequently, so I consolidated that to "Denver" and "House Hack" to get more targeted with conversations that I care about and feel I can add value to. 

Be mindful however, that typically the lower the rate, the higher the prepayment penalty should you re-fi or want to consolidate into a portfolio loan later on as you acquire more properties. 

I think this will lessen some of the work by consolidating the drive and contact time.

You can sell several properties and use a 1031 to purchase fewer larger replacements (a consolidation exchange). 

I need to consolidate it but haven't done so yet, so far between the 2 I like Avail better. 

It would definitely save you the hassle and time of printed applications that have to be scanned back in.I'm only using both because I just haven't consolidated them yet.