Good stuff - I will be interested especially in the Short Term Rental space - the constantly predicted "AirBnBust" these last two years has simply not materialized (mostly due to the fact that most of these borrowers are locked in at 30-year fixed low rate debt from '20 or '21.)Lot of people caught up in the hype (amateurs) maybe will look to "get out" in 2023 with a somewhat drop in rates and stableish prices - lots of professional STR investors on the sidelines ready to come in - could be a robust market again as the march toward consolidation/institutionalization of STRs continues

When applying, you usually have to state a reason you are getting it (like loan consolidation or home improvement or whatever).

Or you can roll it into some 30YF mortgage during a cash out refinance (many people consolidate it into that very same property's mortgage, since it had enough equity for a HELOC it probably has enough to do this). 

The option I suggest is to roll it into his current employer's plan where he could consolidate his funds and have more control of it.Also, by it being in his former employer plan, the primary ways to get to it are to cashout (penalties and taxes due), rollover to a traditional IRA at bank or Schwab type entity, rollover to alternative SDIRA at Equity Trust type entity, or rollover to current employer plan. 

Some other supposedly housing-related bills that will end the housing crisis, signed into law by Governor Nuisance:AB 12 by Matt Haney (D-San Francisco) – Tenancy: security deposits.AB 84 by Christopher Ward (D-San Diego) – Property tax: welfare exemption: affordable housing.AB 281 by Tim Grayson (D-Contra Costa) – Planning and zoning: housing: post entitlement phase permits.AB 318 by Dawn Addis (D-Morro Bay) – Mobilehome Residency Law Protection Act.AB 319 by Damon Connolly (D-San Rafael) – Mobilehome Parks Act: inspectors: conflict of interest: enforcement actions: sunset.AB 323 by Chris Holden (D-Pasadena) – Density Bonus Law: purchase of density bonus units by nonprofit housing organizations: civil actions.AB 346 by Assemlymember Sharon Quirk-Silva (D-Fullerton) – Income tax credits: low-income housing: California Debt Limit Allocation Committee rulemaking.AB 434 by Tim Grayson (D-Contra Costa) – Housing element: notice of violation.AB 480 by Philip Ting (D-San Francisco) – Surplus land.AB 516 by James Ramos (D-San Bernardino) – Mitigation Fee Act: fees for improvements: reports and audits.AB 519 by Pilar Schiavo (D-Los Angeles) – Affordable Housing Finance Workgroup: affordable housing: consolidated application and coordinated review process.AB 529 by Jesse Gabriel (D-Encino)- Adaptive reuse projects.AB 548 by  Tasha Boerner (D-San Diego) – State Housing Law: inspection.AB 572 by Matt Haney (D-San Francisco) – Common interest developments: imposition of assessments.AB 671 by Christopher Ward (D-San Diego) – CalHome Program: accessory dwelling units.AB 812 by Tasha Boerner (D-San Diego) – Housing development approvals: reserving affordable units in or near a cultural district for artists.AB 821 by Tim Grayson (D-Contra Costa) – Planning and zoning: general plan: zoning ordinance: conflicts.AB 894 by Laura Friedman (D-Los Angeles) – Parking requirements: shared parking.AB 911 by Pilar Schiavo (D-Los Angeles) – Unlawfully restrictive covenants: affordable housing.AB 976 by Philip Ting (D-San Francisco) – Accessory dwelling units: owner-occupancy requirements.AB 1033 by Philip Ting (D-San Francisco) – Accessory dwelling units: local ordinances: separate sale or conveyance.AB 1114 by Matt Haney (D-San Francisco) – Planning and zoning: housing development projects: post entitlement phase permits.AB 1218 by Josh Lowenthal (D-Los Angeles) – Development projects: demolition of residential dwelling units.AB 1287 by David Alvarez (D-San Diego) – Density Bonus Law: maximum allowable residential density: additional density bonus and incentives or concessions.AB 1308 by Sharon Quirk-Silva (D-Fullerton)- Planning and Zoning Law: single-family residences: parking requirements.AB 1317 by Wendy Carrillo (D-Los Angeles) – Unbundled parking.AB 1319 by Buffy Wicks (D-Oakland) – Bay Area Housing Finance Authority: housing revenue.AB 1332 by Juan Carrillo (D-Palmdale) – Accessory dwelling units: pre-approved plans.AB 1386 by Jesse Gabriel (D-Encino) – Veterans housing: tenant referrals.AB 1449 by David Alvarez (D-San Diego) – Affordable housing: California Environmental Quality Act: exemption.AB 1474 by Eloise Gómez Reyes (D-San Bernardino) – California Statewide Housing Plan.AB 1485 by Matt Haney (D-San Francisco) – Housing element: enforcement: Attorney General.AB 1490 by Alex Lee (D-San Jose) – Affordable housing development projects: adaptive reuse.AB 1508 by James Ramos (D-San Bernardino) – Department of Housing and Community Development: California Statewide Housing Plan.AB 1528 by Mike Gipson (D-Los Angeles) – Housing authorities: property taxation.AB 1620 by Rick Chavez Zbur (D-Los Angeles) – Costa-Hawkins Rental Housing Act: permanent disabilities: comparable or smaller units.AB 1633 by Philip Ting (D-San Francisco) – Housing Accountability Act: disapprovals: California Environmental Quality Act.AB 1734 by Reginald Byron Jones-Sawyer Sr.

When they get weaker I will look to consolidate and pay down debt.

But I am consolidating and working to correct it, but it will take at least a year or two to see real improvements in my credit.

We don't recommend that but were watching closely more fore science :)  The automation with Turno and Schlage encodes is by far the biggest help plus it gets a little discount on the property consolidation with Pricelabs. 

Aside from the open house consolidated showings and other suggestions I have found a nice video tour also limits who comes in person to those who find the unit meets their needs to begin with.

Cupcake shops sprung up everywhere, the Food Network started their show, Cupcake Wars in 2009 (still on) and then.... a few years later industry consolidation after the run-up.