You can have multiple conventional mortgages and have a great credit score as long as you don't pay late or get too close to the maximum debt to income ratio.

He is renting the unit and will carry a bit of debt for a couple years but once he is clear of that he will do very well for himself.Park owners want their empty spaces filled. 

A HELOC is a short term debt instrument.

DOS or more commonly known as Event of default.Alienation of title is an event of default in most all debt instruments not usually located in the Note its in the mortgage  deed of trust etc.And along with other Events of Default  IE non payment of Insurance or tax's or waste these all give the lender the right to Accelerate the note but not the obligation..

I think it will hurt you in that you'll be too forgiving of people, try to make friends with the college kids your renting to or keep bringing it up all the time. 

Debt pay down and appreciation is gravy.Is this serious or sarcasm?

She says she does and it has no debt.. ( I paid 130k for her house).

Debt will get paid down, rents historically will go up, and values historically will appreciate. 

With that said can anyone suggest reputable lenders that are able to assist me with a debt consolidation loan of ~25K?  

and, something that doesn't get discussed enough - a record number of properties don't have any debts on them.