I own a primary and investment property.  However, I have been thinking of late to refinance both properties to reduce the number of properties in my name, and because I want to close on two more properties this year....

Hi all, I have an applicant she has 668 credit score and her husband 800. however she explaint her late payment occur on 2017 and all because of debit consolidation company told her to stop payin for all the bill so she can consolidate them. and i was ok to give a benefit of dought and ask for extra last month of rent , she didn't want to pay for it. and that had me worried. so over the weekend I did not pick up her call need time to think over now she is back saying she is ok to pay extra month.should I move on or should I still work with her, at this point i alos saw 5-6 late payment on 2017 ( as she claimed was due to debit consolidation) which I am not familiar with and she did provide me with pay off papers ( some of them show only 70% paid off and account closed.Should I take chance or should I let it go.

I'm curious what everyone's thoughts are on interest rates for the short term future (6-12 months).It looks like the fed is getting more aggressive with there narrative on tapering and raising interest rates.I'm planning on refinancing to pull equity out and to re-consolidate debt.Do you guys see rates going up in the next half year and see a benefit to refinance now?

Now that we have spent most of our capital it is time to consolidate the more boring stuff. 

Local lenders you might find are Consolidated CCU, Red Canoe CU, WAFD Bank, do them in Oregon.  

But if you haven't already done so look at SOFI for consolidating your student loans.

@Davide Formica, You can consolidate as many properties into one larger property as you want. 

@Christopher HelwigCo-mingling funds and using the LLC as an alter-ego are surefire ways to pierce your corporate veil and lose your limited liabiilty protection, the main purpose of having a LLC.If you want to "consolidate" your activities, I would transfer Title from yourself to your LLC (same or new one which is whole different discussion) and simultaneosly refi into a commercial loan since legal entities are not eligible for residential lending (hopefully you aren't "frankensteining" it).Hope that helps. 

HELOC is for short term money, cash out refi for long term.HELOCs have lower closing costs, higher variable interest rate, and interest only accrues when you actually draw funds.Cash out refinances will typically have higher closing costs, a lower fixed rate will be available, and interest starts accruing right away (even if it takes you 10 months to find your next property).A common pattern if you may find a deal in a month, or 10 months, not really sure, is to1) Get any refinancing out of the way, you have an FHA loan so you should certainly drop that off.2) Get the HELOC, leave the balance at $0 so you aren't paying interest.3) Buy the rental.4) Come back to the property with the HELOC and see if it makes sense to cash out refi and consolidate the 1st and 2nd into 1 30YF.If you're determined to score that deal within the next 90ish days, skipping right to a cash out refinance is probably best.

Consolidation - With Venture Capital and Private Equity firms committing funds to consolidate all service industries, the blitz to buy mom and pop PMC’s is on.