Are you referring to cross-collateralizing the properties?

It is comical to me that Wellfargo is willing to give me a sizable personal line of credit backed by me and will not approve home equity line of credit backed also by me and physical house as collateral.

@Derek, What if the equity is injected (there is no silent seller carry as per bank guidelines) and borrower gives a personal loan after closing and uses a PG as collateral for that personal loan?

Meaning you're interested in buying performing notes where the note is collateralized against a personal residence? 

That would be a blanket portfolio loan that would use the properties as collateral, so as long as there is equity and cash flow that might be a easy way to get your 10 conventional loans back in your name.

I heard on one of the podcasts an investor groups like four propreties together to get a blanket loan using those homes as collateral or uses the equity from them not possitive 

One important piece to understand is that investing breaks down into Time, Money, and Skills.First purchase: 50/50 partnership.Second: 0% Down Seller Financing.Third: 15k down seller financing.Fourth: 50/50 partnership my partner brought all of the capital and I manage the community.Fifth: 0% down seller financing utilizing cross-collateralization of another property (A SFH that I owned outright)Sixth: 0% down seller financing utilizing cross-collateralization of another property (A SFH that he was okay with being in second position on)Seven: Seller Financing 300k down (I bought this in my fund and raised capital through that vehicle), 0% interest loan for 3.5 years.Eight: Seller Financing 53k down (I bought this in my fund and raised capital through that vehicle), 4% interest loan for 6.5 years.The biggest takeaway I want a reader to get is that there are a lot of different ways to make a deal work. 

Ive got property paid off already but even with property as collateral still debt to ratio is a problem.My question is what can i do to fix this..work off to pay the debt or consolidate?

(e.g. the idea of collateral assignments) Just keep in mind though, what I may look for may be different from what you look for in a course and they all have something unique to offer (and depending on what you'd like your model to be you could say the opposite as well).So with all that said, I can only really speak to what's offered in PPR Note Academy's mentoring course.

An appraisal has nothing at all to do with what a property is worth....appraisal is about collateral for the loan as others have stated....worth is simply what a willing & able buyer is willing to pay.