What would your monthly payments be verses the combination of the separate accounts all with individual rates you're currently paying on? 

Then (at least to my understanding) you find an agency that wishes to use it as one of the aforementioned categories and they use it find the individuals to place there and they also act as a "property manager."  

Like having the capital to enter a deal?

Hey @Ignatius Okeke - you're facing the same wall that most newbies face when they enter: everything works to a certain degree. 

We were one of three in class of ~30 individuals (small or large, you judge) by the end of the 12 week program.

. $250,000 per married individual.  

Depending on how many years you have own each property, maybe it is time to assess them: their individual performance, ROI, what type of tenant do each attract?

If a landlord needs to enter a property for an inspection or repair, a two-day notice is required.

An individual?

The test you are trying to pass is the 100 hours and no less than any other individual.