Very few people operate their LLC correctly and therfore this just gives them a flase sense of security.Moving into a LLC can also trigger the due on sale clause.

Yes the charges were in fact correct and it was communicated that my budget was $15k.

But I assure you it's correct. 

Asking in the correct forum will get a better response.Read the RULES!

Additionally, not all transaction types support Locations, meaning you'll have to create journal entries to correct them—requiring a solid understanding of debits and credits, which can be time-consuming and error-prone.Instead, I recommend biting the bullet and upgrading to QuickBooks Online Plus for each entity.

There could be a million reasons as to why you didn’t achieve that goal, but course correct and get it next year!

If I do a cash-out refi, it will change my interest rate, correct?    

Quote from @Michael Smythe: @Sean Gallagher legally you are correct, but many tenants do NOT know this.We take over properties all the time and close 80% of existing tenants sign a lease with us.True! 

Now that you have the correct terminology, you can search for lots of potential solutions. 

I don't think you are going to be able to get insurance for two separate living units in a single-family when they are both illegal and likely do not have the correct egress windows (basement) for fire safety which could subject you to huge liability if something happens to either party.