Hello Experienced Folks

I am newbie to BP. I have made some investments in CA in the past (own 4 SFH including primary). In restrospection, I made several mistakes though I am not yet at a loss owing to investing at the right time.

My loan agent (who was with a broker company but recently joined Wells Fargo) is trying to sell me into refinancing and doing a cash out on my primary SFH in order to do loan consolidation. I am quite confused on what to do and need some advice from the experienced folks. Can you please help ?

My primary has two loans:

1st at 420K at 3.625% 27 years left out of 30 year fixed

2nd at 72K at 4% 7 years left out of 10 year fixed

I have 3 rental SFH:

Two have loan amount 212K at 4.75% 30 year fixed (recently refinanced)

Third has loan amount 193K at 4.75% 30 year fixed (recently refinanced)

All three rental SFH have value >= 275K (in that ballpark, not more than 300K)

Primary has value > 1M

Her advice is to do a 700K loan on primary, pay off 1st and 2nd, and pay off one of the rentals or use for next purchase cash down, so as to do loan consolidation (as per her it is hard to get loans when you have too many financed properties).

I am looking to do my next investment (around 425K with 100K down, 4 plex), and I don't really need to do refi to achieve it.

Does her advice have value to me ?

My biggest concern is that none of these three rental properties I really want to keep long term. 2 of them I plan to sell in 2-3 years as they increase in value (which I believe they will), and 3rd possibly a bit later or soon after. So, why should I pay them off ? But I may be thinking less rationally, so seeking advice from the number gurus on the forums.

Looking forward. Sorry for the long post but I wanted to provide all data.