If you have a high DTI, I wonder if you can transfer some of that debt into a business account so it doesn't reflect on your personal credit report.Can you consolidate the debt to where it makes sense?

Everyone I have talked with so far has said that the amount is to low for a consolidation loan.

@Sean Starkey thanks  1) the majority of HELOCS are  variable rate loans that are tied to the PRIME rate + a margin ....as prime is  expected to increase another .25%  soon - the rate and payment will likely be  going up  more   2)  consider a  1st mtg  refinance  that will consolidate the  1st mtg and the heloc   3) there are some HELOCS  that are  fixed rate / installment  type  loans ...rates arent  great  but the resulting payment  might be lower than what you pay now   4) contact the heloc  lender and  ask for  refinance options    

I was looking for about 55k in cash for medical bills and to consolidate some high interest debt.

We are on 7 now after consolidating loans and refinancing.All about risk management. 

if this is the case- you will not be able to roll the heloc balance and the new units loan together   2) if you cant  use  the heloc or  cash to buy the new unit - you will need to get a seperate new loan for the new  unit you are buying  ...min  down payment for a rental condo is  15% of the purchase price  3)  you will need to do the same thing for  prop #3   4)  depending on the  value or  your primary home and the  balances on the  1st mtg and the heloc - you might  consider trying to consolidate these 2 loans and  possibly get a new HELOC  to use in the future   5) god luck

We will consolidate all the reading units to a meter room.

You're asking good questions before you jump in but there are plenty of great resources out there to get the answers to these questions in a consolidated format.

I have some medical bills that's killing me and I want to consolidate my debts into one loan.

When you are immersed you get years of education consolidated into days.