or put all my properties in one account and then my subaccounts are for taxes, reserves, profit?

You're more likely to have a non-paying tenant and go through eviction than you are higher end markets.

Congratulations you are correlated and invested in a highly taxed asset class that went up recently.  

However, not to be a wise guy, but serious question...what if I wanted to borrow $25k from 5 different family members to buy an RV, or start a small business, or pay my bills?

Specifically handling liens that builder did not pay subtractors. 

They may be cutting into your profits, by needing to pay them off the rent roll, but they will be saving you so much time and headache in dealing with the day-to-day issues with tenants as well as finding and vetting new tenants for you.

It can be a fruitful relationship, as if you have investor clients looking for a trusted property manager, we will pay your a referral fee for sending them our way. 

My rental income profit now pays for all my bills.

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

Once you’ve built enough equity, refinance and pull cash out to acquire more properties.Leverage Knowledge: Learn about tax benefits, depreciation, and using LLCs to protect your assets as you grow your portfolio.If I were your age, I would’ve networked more with real estate investors early on and diversified faster.