On any commercial properties, it's very difficult to get fully amortizing loans unless they are not only larger loan amounts, but also using government or agency financing.You might want to call a couple more banks and see what you can get, and then make a decision. 

I have a woman who applied for the apartment whose only source of income is SSI Disability from the government...does anyone else have renters whose income is from SSI disability every month?

You don't have any control because taken care by management company and has follow their rules  and regulations.

There are very strict regulations on submetering and you have to register the property as well as provide a submeter addendum with the lease. 

. $0.10 a property/year LLC government overhead.

It would be best to speak to brokers who you'd be hanging your license under about what rules and regulations they expect you to operate by.

Regulations change, have an exit plan.

Easy to blame your PM but the reality is that you don't know the regulations governing your business and for that reason can not manage your PM.You need to learn the state regulations and then if necessary find a new PM. 

With the huge government debt, taxes probably aren’t going down in the foreseeable future.

Check the local regulations.