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%.

Consolidation of the finest threads on buyers lists - just read:http://www.biggerpockets.com/forums/93/topics/54108-buyer-s-list-how-to-

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

Then, once it's all done, optionally, refinance the subject property to consolidate that debt so it all "belongs" to the right property. 

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.

How do you consolidate the funds quickly and provide them in the form required by the seller? 

Get the debt consolidated into as few as possible. 

Looking to buy a commercial MFR with 5 or more units. I found 2 4-plexes in my market that share a parking lot but are owned and listed separately. Can I acquire both with a commercial loan and convert them to an 8-pl...

If you are able to save a decent amount, I would consider consolidating the credit card debt to a lower interest personal loan.

Im looking to consolidate all this into one for convenience and cost effectiveness.