They have all but accused me of inappropriate relationship with the city Manager & have gotten Tv & newspapers foaming at the mouth to keep this center stage.

(although you can lower the tax bill with smart dividend usage).Insurance can replace the protection of a corporation to a limited extent, but you should sit down with a California attorney to discuss those issues (you can incorporate yourself)Starting an LLC isn't that difficult but it all depends on your risk tolerance.

We have 2 investment properties that we need to refinance.Credit: 613 (Low mostly because of high Credit Card usage to complete the project.)Income $140K/yr, No personal mortgage Location: Phillipsburg, NJProperty 1:4 units (fully rented out) including 3 garages that rented separately.

Sounds like you are doing ok and once you get rid of the final headaches, could turn into a nice hold for you.Keep us updated.Have you instituted a RUBBS system (Residential Utility Bill Back System) to reduce your utility expenses and hold tenants accountable for their own usage?

Its just a bit of work since you will have to go and read the meter and calculate the water and sewer usage.

Call the utility co and check electric and gas usage to see where it will put you in your monthly expenses.

May be bump rent by $xx and say utilities included upto xyz KW usage.

More usage of infrastructure, but same old infrastructure.

https://www.lifestylesdiscovery.com/   I believe you have to have at least their basic membership and there is a month-to-month usage fee for the system.  

@Joseph Tuccito Keep your credit usage as low as possible as that will be roughly 30% of your credit score.