I would totally refinance into a conventional loan to remove MIP but you cant until you reach ~20% equity or have 15 years of payments?

Also your risk profile and total net assents in each LLC matters too. 

What you can also do is take a look at any high interest credit cards that you can consolidate to maximize the monthly savings and reduce monthly total debt.Cash out refinance is tax free and cannot be touched or taken back but a Heloc can be reduced or closed if you miss a payment, credit score drops, or your DTI increases.

Irs determination “You're considered to use a dwelling unit as a residence if you use it for personal purposes during the tax year for a number of days that's more than the greater of: 14 days, or. 10% of the total days you rent it to others at a fair rental price.”

I can totally relate to your frustrations.

Purchase price: $375,000 Cash invested: $101,500 I own a mixed-use property with a total of five units, four 1BR residential apartments and one commercial space.

I consider myself day 0 total noob on section 8.

I had no idea this was the case or I would have pulled out that HELOC prior to doing a QCD on the property and turning it to an LLC.I’ve totally observed what you mentioned about one side of the house, not knowing what’s happening on the other side when it comes to the commercial first residential side of lending. 

We bought land with an ocean view, built and furnished for a total investment of about US$300,000. 

I currently use a PMS (RentRedi) to manage my long term tenants (2x house hacker here with 11 tenants in total) which has worked very well.