I would expect to pay under $20,000 for a three-unit property.

One of my properties cost me a little more, but the other two were less than what I was paying with foremost insurance.

In Worcester, I think your numbers are pretty close, but there are also a lot of Programs between Mass Save, and the City of Worcester that will pay for many of these things if you agree to an income restriction, or sell income restricted. 

I have about $15k I have to pay back for school.

You're just using new debt to pay off old debt (which is the same concept as your alternative: refinancing your primary to pay off the HELOC).

Patience does pay out.

You might want to listen to some of the BP podcasts on some of the other ways that real estate "pays" you, outside of cashflow.Keith Weinhold from Get Rich Education also has a good podcast and regularly discusses the 5 different ways that real estate pays you. 

Besides wear and tear on the building and furnishings, remember with MTR you are paying for all utilities, internet, and lawn care, unlike LTRs. 

Then reinvest all the profits for myself and the money lender until we reach a future goal ($600K).The question is, if the money stays within the LLC then I assume that I am paying roughly 20% corporate tax on all profits from each project.

He even had former employees hire the contractors, so when he didn't pay them, they couldn't sue him but ended up suing is poor employees.He has bragged about never being able to be traceable because he sets up his LLCs in such a way he can operate without legal ramifications,This man has no moral compass and has stolen the retirements of so many people.He did all of this so he could fund his new syndication business MENACE CON, with his other partners Nicholas Trevillian and Jason Von Payne...