I guess I'm just wondering mainly if there's a benefit to owning most of the properties in a consolidated area.

Purchase Other Dwelling Home Improvement Refinance Purchase RV or Boat Debt Consolidation OtherI was told if I tell the bank that I am purchasing another dwelling that it would be much harder to get a heloc.

Is there a possibility to consolidate the two loans into one (for some sort of a favorable arrangement/reduce payments?)

So my dad has income every month but not a bad credit score he filed for bankruptcy a couple years ago and he’s doing a consolidation loan to help him with that.

There's some options to consolidate fees and structure. 

On the latest deal (which i couldn't agree with my Bigger Money lender) I took out a 16 mo 0% BT on my chase account after I consolidated (52k) with a 2% fee.  

I only pulled out $30K to consolidate my debt. 

Consolidate the cc and personal loan into one.

With that, I have a lot to either pay off, consolidate, or a combination of the two.I'm going to break down debt amounts in total and by monthly payment with scenarios of what my DTI may be when paying off certain amounts of debt/accounts.Of course, we wanted to avoid private mortgage insurance, but the primary goal is to get debt paid off so I'm at a good DTI and so I can get my credit score higher for a lower interest rate.We are planning on moving to KC from the Twin Cities area in the early spring, so we're allocating about $3k to moving.So, we have about $40k in savings, including the money we made from the house sale.Income=$24/hr, $3840/moHere's how the debt breaks down.1) Credit card 1: 4021 bal, 183/mo2) Credit card 2: 8032 bal, 218/mo3) Credit card 3: 11084.30 bal, 133.49/mo4) Credit card 4: chase 401.60 bal, 5.04/mo6) Line of credit: 762.36 bal, 0/mo7) Insurance (renter's & auto) 232/mo8) Cell phone 33.14/mo9) Student loan 1: 96.55/mo10) Student loan 2: 126/mo11) Personal loan: 250/mo, about $9k balance13) Line of credit 2: 1900bal, 25.20/mo14) Credit card 5: 463.09 bal, 16/mo =1429.4215) Rent 1100/mo=$2418.42 debt payments per monthSo, $2418.42/$3840=.62979 DTI, or 63%.

I bought two vacant 2-story shells that were falling down, demolished them and consolidated the two lots into one parcel, which allowed 4 units by right.