I’d recommend consulting with a lawyer who specializes in contract law to understand your options and how to protect yourself moving forward.

Without seeing your lease, if the lease says that 'charges are due as additional rent' the charges may fall into housing delinquency law.

Some lenders may also want to see law and ordinance coverage in your insurance and perhaps a rebuild letter from the city stating that the property could be rebuilt as a residential 4plex if destroyed. 

If there is one thing I would do different is: I would invest Out Of State in markets that had sustained growth, strong job numbers, were safe and desired, and had favorable Landlord laws. 

I think the zoning laws are iffy and it's a risk that many investors are taking - and getting away with.

We review yearly with our CPA who files the necessary forms.By law, IRAs require a custodian.

You've possibly stated in writing that you (may have) violated several laws ie. working as a property manager w/o the proper licenses etc. 2.

Make sure to understand disclosure laws in your state.

It started as a goal, turned into a rule, now it's a law I very happily live.

How familiar are you with the rental laws in each area?