Whilst we stand at the sidelines whining about if we should invest or not or wait for a consolidation, higher CAP rates, better weather or other miracles from Santa Claus.

I was trying to get a secured loan for 13k to consolidate some credit card debt.

I would consolidate the questions.

You could also do a second on another property, or several others.I'd suggest too that you start looking at a blanket mortgage on several properties (with a release fee on each) and begin consolidating the debt to free you up for financing.Creative financing is utilizing the assets you have to leverage a deal within the boundaries of conventional requirements, the rules and regs, not getting wild with schemes. :)

I've consolidated several posts about this new SEC ruling into one.

Financial regulatory agencies have their own schools that consolidate technical knowledge.

I would recommend you don't consolidate you SL's if you haven't already.

I am open to any suggestions on wether to consolidate and refinance...

Potentially you could consolidate all the 2 families into a larger complexYou'll find yourself with a wave of money coming at you and equity sitting in all of these places.

Don't pay anyone for counseling and don't do debt consolidation.