@Bryan Montross Thankfully, the upstairs tenant voiced her concerns directly, and things have (literally and figuratively) quieted down.

If your main concern is on the refi end the you could also move some properties into portfolios (just make sure that you truly plan to keep these as they may have partial release fees attached).

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Even with cheap housing prices, I would be concerned that you can't even get 1% of the purchase price in monthly rent.I personally like the town of Mobile, but would not invest in it. 

I did not find anything unusual in what they set up that would require me to change what we are doing for taxes.Can you clarify why are you concerned about coordination between your CPA and RLS?

I wouldn’t let that part concern me.

My concern is if they have a data breach.

I also addressed their concerns about insurance options, as they expressed significant worries about that.

Mold inspection was never performed, as there was no concern about mold.

Whereas, if you were to default on a HELOC against your primary, you immediately go into foreclosure and have a bigger concern than getting sued?