Also, if you want to take it a step further, what is the ending balance on each, assuming you make the minimum payment (and an interest only payment on the HELOC).

This article walks through the steps in a cost segregation study.WHAT INFORMATION DO I NEED TO PROVIDE IN A COST SEGREGATION STUDY?

This thread really made me take a step back and look at my priorities.The tenant is on a month-to-month lease and I have the ability to end the lease with 30 days notice without cause, which is exactly what I decided to do.Because of this tenant I was kicked off my old insurance policy.  

The fact that you’re ready to take action is already a big step forward.

I always get a notice to pay for the "Proactive Rental Enforcement Program" https://www.santa-ana.org/prep-program/. 

“Passing Good Cause is not only a step toward tackling these systemic issues—it is the vital foundation to any meaningful action.”In a free market economy, how will those providing housing react to a law that forces them to house non-paying tenants for free? 

Under Reg D 506C it’s the sponsors responsibility to take reasonable steps to verify that the investor is indeed accredited.  

We also have a bank account at a smaller Chicago community bank, but there technology isn't as good to be honest.I think @Jonathan Greene's main point is don't step over dollars to pick up pennies. 

One step at a time."

It’s normal to feel overwhelmed at first, but just take it one step at a time.