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The bumps that I am running into are:

1. The LTV on this one property is about 95%
2. BAC says that I cannot do it since they have a policy about how many home loans you can have
3. I've gone as far as to try and do a modification on it, but they told me that I:
a. Make too much money
b. Am current on the loan
c. Don't seem to have any issues making the payment

I've been up and down this thing thing for the past two years and I cannot get anywhere with it. Looking at business loans is my thinking outside of the box. I would like to consolidate all of them under one loan with an interest rate of between 3.5% - 4.5%.

Thanks for any assistance.
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