Without knowing it you are losing money every month and will continue to do so at a increased rate as your equity growes and your expences increase. 

Thats what i thought was going on in monkey junction, its a nice area but it already hit its price increase so i dont have the money for that area right now.

Therefore, you need to increase income even farther, without taking on to much debt to screw up your ratio and have a big reserve stashed away. 

We’ve increased rents on 2 of the other units and will be increasing rents on the third unit soon.

ROI on this project will take the cash flows you earn and add the equity increase in your property.

And just going out on a limb here, if I cannot/should not do so because I am a disqualified person, can I simply register the LLC in a state with excellent privacy laws?

Reason's I've retained:Minimize your own cash in a deal.Use someone else's cash to buy a property (the bank) and another person's to pay off the loan (the renter).Buy more properties (simplistic example: buy one 100k property cash, or finance four 100k properties).On the other side, paying off a mortgage early (or unleverage):Pay off a property and increase cash flow (some people claim this is a terrible idea)Less risk.

If there's an assessment or litigation, you'll read about it in those minutes) Also, if you get the budget and you see a large increase in legal fees, ding ding ding, you may have litigation. 

@Charlie Gomez - If I were you, I would refinance and take the increased cash flow.

Remember aging brings about increased medical expenses and a lot of unknowns.