Effectively a pseudo-consolidated return in a sense.

We then consolidate the many options and select the best five or ten options and put them on a spreadsheet.

Keep in mind HELOCs are interest only payments, adjustable rates, and will eventually turn into a fully amortized loan (usually after 3-10 years).Cash Out Refinances are great when you need the cash for long term needs or consolidating debt.

Personal loans are easier to get now a days up to $50K with good credit.You can always refinance down the road to consolidate the perosnal loan into one of the properties.

Consolidated, simple, easy living, saving money and being more economical than todays standard.

There will be consolidation in the real estate industry, in both quantity of individuals and brokerages, as well as the availability of prime buyers brokers that can adapt and move the needle.

I dont think you have enough equity to refi and consolidate the two. combining them puts you at over 96% LTV. cash-out will likely max you at 75% LTV of the $450k, so raising your rate on the bulk of the debt probably is not the move if you still have to bring in $100k to do so. is your 2nd going to balloon soon?

Although they do have homeowners that are consolidating debt, that isn't their primary customer.

Jacob,If the debts are adding up and you want to consolidate you can do a VA 100% cash out refinance to pay off all or some of your debts.

This will consolidate a lot of the real estate teams & agents, you'll see some systematic models and approaches being created like ala carte online tools that you pay as you go with it for a buyer.