I'm a longtime student of human nature and already understand the elements of the information, but I've never seen it consolidated and organized in this simple cut-and-dried way that makes it so easy to understand.The people with whom I've already shared this have recognized themselves and felt the same way, so all of us sharing this same foundation as an investing team will be able to share what they've learned and grow together as a mutual support group. 

Can you consolidate debt with the HELOC to bring DTI down + use excess for down-payment?

With California is getting stronger and more expensive.The Cashflow market is becoming more expensive but would consolidate .And ... the middle market becomes having more supply in ground and consolidating harder.One very interesting aspect is that 80% of RE transaction occurred at 300-500k price range, I guess this is the number that's still doable to achieve easily in middle market by young married family.

You can have more categories, but somewhere you have to draw the line and consolidate.

2021 Goal is to grow to 10 doors from 1, investing for cash flow.I currently own 1 rental in San Diego that breaks-even because I stuck my retired parents in it, it’s 60%LTV with $320k mortgage, worth $545k.I rent in Los Angeles, $2,100 per month but am considering putting 5% down on a vacant 3 unit property to house hack that has the following:2 bd/ 1.5 ba front house2 bd/ 1 ba back house (1 bedroom is un-permitted per title reflecting this as a 1/1) - will rent for $2k1 bd/ 1 ba adu - not sure if it was permitted - will rent for $1500$850k with 5% down, Mortgage will be $4600 This seems like the best next step except the unpermitted aspects give me pause.I pulled $100k out of my San Diego home to consolidate my student loans, but have yet to pull the trigger as I’m considering ways to put this cash to work and arrive at paying those off with the proceeds.

And then you can consolidate both with a cash out refinance in a couple/few years when rates are lower. 

possible to leverage this for a  debt consolidation loan  via  either a new 1st mtg or new HELOC ..or both ?....

I send my business credit card and bank statements to my CPA for consolidation and taxes.

I'm doing a cash out refi to consolidate now and will want to put another HELOC on this property soon.Any leads greatly appreciated! 

To consolidate some of your other debts, you take out a $42,500 home mortgage loan [(125% × $110,000) − $95,000] with Bank M.