Is that 3 separate people or what is the situation?

When you get a loan servicing company you don't like, your best bet is to make your payments via snail mail check, with any additional payment being a separate check with "principal only" written in the memo line.

I try to separate my business from my personal requirements.

I have the properties in separate llcs, so not sure of the real estate trust, but will read up more on it.

I was not aware that listing air bnb had a separate listing service fee above and beyond what they charged the renter.

You might look for a property with some type of in-law suite with separate entrance and rent that out (or live in it for a while).

You will soon learn how to separate the chaff from the potentially good applicants. 

My homeowners insurance policy would be completely separate from this. 

Have you heard the saying or advise not to get emotional about property?

If the property is divided, with each half of the duplex deeded as a separate property, like a condex, taxed separately, separate tax lots, etc, then your wife's IRA MAY be able to be involved in the purchase of that half of the building.