There is over 100k accumulated in that account; plenty for any regular and unforeseen expenses,   capex, vacancies and anything else. 

You should be able to leave that in place but move some of the accumulated savings to a separate self-directed IRA if you choose. 

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

@Shelby LeBlanc if it's almost finished can you just hold for a few more months until you accumulate more funds to finish it?

Many subsequently decide to use a professional manager because (1) they lack the time or interest to do an acceptable job or (2) accumulate enough properties that professional management is the only solution.

I think it’s a “yes and”... your advice combined with some of the other suggestions will offer new investors an important perspective on the discipline required to actually accumulate wealth.

Hello - I've posted once before regarding property manager issues, and now it's clear that it's time to find a new manager with the accumulation of issues resulting in financial loss. 

Maybe in a year, rents will have gone up a bit, but even if you have to take a small loss, it's still someone else paying down 95% of your mortgage, giving you free equity and then there's any appreciation that accumulates as well. 

No annual fees and I can accumulate some significant points worth a few trips a year

The passive losses that you accumulated over the years will net against your profit upon sale.If anything - I would assume that transferring the title to your personal name would be more costly since you would have to pay a title company to transfer the title.I am curious on what you ended up doing.