I save a lot on utility bills and have extras monthly from the collection which is a bonus.

They typically don’t appreciate it as fast, but as an investor, you should judge the investment being sound by the numbers they produce and consider the appreciation it can produce as a bonus. 

If you own 20 properties, presumably you're trying very hard to get your net worth up and keep it there, which isn't going to happen if you're getting sued every 10 years because you have so much exposure (20 properties = 20x the probability that something will go wrong).If you can drum up owner financing that's great...maybe there are also some large commercial loans out there where you can refi your whole portfolio into something reasonable.

I would also reduce visibility exposure and increase anonymity’ by utilizing trusts.

@Andrew RiggsThe deal you describe will not create exposure to taxation in an IRA. 

If I have unspent money in the operating account quarterly/annually, can I pay that to myself as a bonus? 

However, as your exposures get larger and own more (and more expensive properties), asset protection becomes even more important.

The allure of MF is that you have a lot less exposure to major risk.

A mentor of mine had good advice -- offer a % per day bonus (of the total contractor amount) for every day they finish early, and on the flip side, a % discount for every day they are late (barring any major unexpected contingencies or scope).

Try to minimize this exposure.