You can clean up other aspects of title that remain later, including prior defects in the chain of title and liens, but the original deed and the nature of the interest(s) granted, do not change.

I hate to pull the grey hair card but 20 years of collecting rent is 20 years, how many years have you been handling rental properties?

Still, I'm a naturalized citizen myself, and I would be extra careful with anything related to immigration.If your plan faces hurdles, you can allow your CPA to file your tax return as is with an intention to amend later thru another accountant.

This may seem like it's splitting hairs but I assure it is not, it's CORRECTLY setting the stage of comprehension, as what comes next will give this clarity. 

SubTo, by it's very nature, is FRAUD.

This immediately struck me as odd as I wasn't aware of any form of compensation to the PM for any maintenance related activities, just 8% of gross rent and 1-month of rent to lease the property, per our contract.Naturally I wanted to understand the nature of this arrangement, specifically how much mark-up is being charged, so I referenced a specific sewer repair bill from 2015 that was $2,600 and asked him if he could provide the vendor invoice so I could understand how much the vendor charged and how much revenue the PM recognized.  

The cash value is quite literally the policy owner saving up the death benefit over the insured's natural lifetime.

When you run the numbers, there could be a scenario, on paper, where this makes sense cash flow wise, because of the interest only nature of the HELOC you have.

I think with time as a landlord, you will naturally become a little more tough-skinned.Has this unauthorized tenant been angry directly at you?

Section 8 tenants are by their nature low quality people who are very irresponsible.