While losing the 2.5% interest rate is tough, prioritizing a business structure that supports long-term growth might outweigh that loss.

@Jason Merchey For more details, check out title 37, chapter 22 of the SC State law: http://www.scstatehouse.gov/code/t37c022.php (emphasis added):(30) "Mortgage loan" means a loan made to a natural person primarily for personal, family, or household use, primarily secured by a mortgage, deed of trust, or other security interest on residential real property or security interest arising under an installment sales contract or equivalent security interest against the borrower's dwelling and: (i) located in South Carolina, (ii) negotiated, offered, or otherwise transacted within this State, in whole or in part, or (iii) made or extended within this State.By definition, you didn't "make a mortgage loan" in the context of the legislation.

I ended up owning about 220 houses personally LOL.. and losing about 5 to 7 million in cash..

He immediately came back and started throwing large tree branches and other stuff on to my deck. i called the police a second time and they came and arrested him and gave me the report number.i have a security camera video of him throwing the brick, walking in and out of my property, screaming, and throwing the branches.what do i do to protect my workers and not lose my investment.

I did look at the market rates over there and they are both paying about 300$ below market rate and so far we haven't increased it because the properties are located in a very small town so we don't want to lose the them as tenants.

What it matter if I lose $200-300 a month when my property value is going up $25-40k per year.

This could work if there is some equity over the mortgage owed to cover their costs, but not so much you lose out. 

Many New York landlords/investors choose not to raise rents because they're worried about losing a good tenant.

My biggest Homerun was selling it and not having to lose money anymore !

How much are you willing to risk or are you willing to lose a tenant over that commission amount?