Someone with a voucher may still want to lease your unit even if the rates are above market because they are not paying. 

But since I'm dumb when it comes to such I may forever pay the price.  

Keep in mind that you can only go up to 80% Loan To Value (LTV) on a cash out refinance. 

Just keep in mind that less sought-after areas can come with slightly higher risks, but with the cash flow you’re generating, it can still be a good investment.

Keep in mind your other associated costs with being an agent.

Procrastination can pay off. 

I love where you mind is at and how organized your post/plan is.

Here are a few tips:Asset Management: Holding your property in the LLC can protect your personal assets, but check with an attorney or CPA to ensure it’s set up correctly and complies with local laws.Rent Collection: Collecting rent through the LLC simplifies accounting and keeps personal and business finances separate, which is a big plus for taxes and liability.Property Management: Since you’re self-managing, the LLC can be used to formalize agreements, pay vendors, and manage expenses—treating it like a professional operation.Just make sure to consult an attorney or accountant to align your setup with your goals.

Otherwise everyone paying double or triple would be an idiot.

You’ll probably pay a higher sales price and a higher interest rate as well.