Depending on the loan amount and lender these will vary, but a rough sum should be calculated into your cost and will reduce the cash out you end up with.3.

Thought about it though, just haven't found the energy or the right person to assist me. 

Natural gas is burned to generate about 1/3 of the electrical energy created in Illinois.

If you are in a nice area it could be reducing your tenant base/rent but if you are C/D it is unlikely that the tenants will be willing to pay much.I don't know what it looks like but unless it is very bad or you think that your quality of tenants is being affected I would hold off until you sell. 

Or move out and rent the fourth unit.The obvious down side is these neighborhoods will reduce in quality.

@Alipate Moleni  Yes, You would simply do a refinance on each property where you could take the cash out needed and reduce the rate below 5% on a 30 Year fixed. 

For example -Year 1 - $50k capital loss, no other capital gains/losses = $3k capital loss taken on return, $47k carried over to future year.Year 2- $50k capital gain, no other capital gains/losses - the $47k capital loss carry over from Year 1 reduces the capital gain to $3k to be taken on your tax return.Alternative Year 2 - no capital gains/losses - $3k capital loss taken on return, reduces the capital loss carryover to $43k to continue carrying over to future year.

This saves on the energy bill since rooms that aren't being used can have a lower temperature.

Fees have not reduced much as rates have increased a little in the past 14 days. 

They have the right and 99.99% of the time will reduce you credit limit.It is possible having the HELOC it could hurt the second homme purchase if the DTI is higher due to the HELOC monthly payment.