While doing it on your own is good, I think you might be missing out on many opportunities to save or restructure your business and how you collect income.

I restructure the deal or I always find a common ground so I get the word- YES!!

I own several residential multi families and I will soon have to get more properties through commercial lending, what's the best advice in how to restructure residential properties for example under an LLC altogether to get non commercial lending? 

Triple net locations if you buy right are easily re-rentable again in case of default.The buildings that are hard to rent are ones that if that tenant left the place would need to be restructured at a high cost to work again.Think Sonic drive thru where the car pulls up,etc.The other benefit of triple net is you can put less down because the lender sees less risk for a corporate rated tenant with strong financials.You can drive more yield with multifamily BUT you will work very hard to get it.In your case I would look at triple net.If you buy rentals and put the wrong manager in then it becomes YOUR problem.Your wife won't be happy and the INVESTMENT will become a core distraction from your main money earner.You asked for our opinions and this is just mine.

When you buy a fourplex with tenants do you restructure the current leases with them or are you locked into the leases they had prior to your ownership?

I'd love to get a handle on this.Anyone have a CPA that can help me restructure the business so I can start to save more?

Sit down with your CPA and evaluate each property in your portfolio to see if you can restructure the ownership into a "Inter Vivos" (Living) Trust in compliance with these regulations.Please note that I will not go into a discussion on whether Garn-StGermain's intended protection should ethically and rightfully apply.But if you determine that on some of your holdings the restructuring makes sense, make the change on the Title.

The lenders involved that signed off with me on this restructure loan, did back down on the foreclosure proceedings, for 30 days.

The lenders involved that signed off with me on this restructure loan, did back down on the foreclosure proceedings, for 30 days.

In which case, take advantage of those, or restructure so you re able to.5) Consider charitable giving, if that is a part of your goals6) Consider what equipment and other purchases your business actually needs and purchase those to continue growing the business.