However, things are always complicated.

Again, it's not at all complicated.

Every step of the way it is complicated, counter intuitive, and time consuming. 

In most cases, neither is warranted.Warning: I am not an attorney, and this can be a complicated topic.

Insurance, bank accounts, credit cards, etc.You are probably making your life more complicated and expensive than it needs to be.

My challenge is that the equity is siloed in a high number of properties which complicates our ability to draw against it and leverage that for operational and investment purposes.Do you all know of banks willing to work with investors and able to underwrite at the portfolio level, rather than having to apply for and open HELOCs on a per-property basis?

The same can be done with C corporations through distribution of different classes of stock, but this is much more complicated.  

I'm wondering if things will get complicated to track if I am paying for things to multiple properties in one credit card.

If the spouse does not sign, it could complicate any future claims on the property or the loan.2.

For one, if you have any properties with conventional loans on them, this makes things much more complicated and severely limits your ability to limit your liabilities.