She didn't pay rent the last 3 months, plus I paid all the lawyer fees. do I hire a debt collection service to follow them until I get my money back? 

I paid him $50 to do it.

Since no one answered your actual question, 15 year rates today would be in the mid to high 4s if you paid 2-3 points, which you should if you do a refinance. 4.5% rate on a 15 year mortgage would be $3400/month plus taxes and insurance.

2-4 paid off properties in great areas with minimal headache is likely life changing for most people who don't overspend monthly. 

You only have to pull in a few people to make piles of cash without producing any results . . . it is easy to blame the person that paid for the service for not spending enough or working hard enough. 

I pay all the subs directly so there is no up charge to me.. and I make sure everyone is paid so their are no liens.on the 90 lot development i am 3.4 through..

When I was first on this site I would advised against paid education, I saw it as all grossly overpriced and unecessary.

One of their tenants was one of their maintenance guys but was not their manager (making sure rent was collected), I think he paid either half of what rent should've been for his unit while the unit next to him was a 1bd unit as well renting for $650/700 at the time and that was about market rent still.

Common reasons:1) Change of closing date (instead of closing end of month, if it gets pushed to beginning of next month, prepaid taxes, interest and insurance will increase because you have through to months end)2) Appraisal comes in low and LTV goes up.

Just know the LLC's exposure is the real exposure so if you have 3 $1million dollar properties all paid for, you're exposing that.