You can always leverage rentals within their ability to service the debt. 

Further, the property may qualify for larger loans based on the increased cash flow ability to service debt.  

The real property investment can be repositioned if it proves disappointing in its original form; it can be refinanced or recapitalized if it has too much or too e pensive debt; inflation over time bales out many bad purchases, and finally the investors knowledge, experience and abilities can be leveraged to turn around a cash flow negative property.I’ll provide an exampleThree years ago we purchased a note from a bank secured by two auto repair facilities with a large amount of excess land.  

The main factor is will rents cover the debt liability and can you sustain 3-4 months of no income to cover the debt? 

You do need to have steady employment, decent credit, and not be drowning in debt.

Eliminate debt, establish a budget, and save.

The goal is to keep these for rentals.I currently own the land personally and am funding the builds with a combination of HELOC and cash - no bank debt tied to these properties specifically.

For example, I am a little concerned about some aspects of the business cycle recovery and a potential for a double-dip so I lean toward the safest part of capital stack which is debt (or low-debt equity).

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

I am not a debt investor, a bond investor nor am I an investor in corporate debt, private equity debt, peer to peer lending, etc.