In the last recession/depression households consolidated for the most part. 

Which means as a lender, I’ll probably charge you more on application fee since I would have to hire someone to search thru records and consolidate it. 

Then that would allow me to consolidate and get rid of monthly storage payment. 

I know Lenders loves to look at individual properties, but when you have 1 entity with multiple properties then CPAs love to just get a consolidated financial. 

My concern is that it's a huge hassle to keep 20 separate bank accounts and am trying to find a safe way to keep the houses legally separate, but keep the finances consolidated somehow.

With the consolidation in the winter sport industry central management has gotten very greedy indeed. 

Or I suppose I could pay it off with the HELOC and consolidate...if the numbers work of course.

I was able to get all of it consolidated and way under my monthly budget so I can pay off more and not run into an issue.

Then on land, if the homeowner has elected it as real property, i believe, it will show that way on the tax bill or if separate ( personal property) , you will have separate accounts ( though you may be able to consolidate the taxes on the same account ( not sure on this ) but it comes down on how you have elected it.  

@Bob Huggins Especially since you're listed on so many different platforms, none of those are going to outport anything useful that's compatible with each other - instead of fighting with their data and trying to consolidate it, I think you'll find it far less frustrating/more useful to design your own spreadsheet