He said it’s more of an incentive to get his tenants to pay on time.

In my area, there seems to be a ceiling on what people will pay for rent and if they have enough income to rent a $500,000 home, they will just buy one instead.

When using hard money, your rate is usually higher and you also have to pay some sort of lender fees and points. 

The tenant pays me $175 on the side so I'm still cash flowing a few hundred overall.

That doesn't mean there is no value in buying a boot camp.My underlying question is, what's really the value of me paying? 

In the past 2 years, I have used my extra money to pay off student loans by interest rate. 

Here’s a step-by-step approach:Consult Your Lender: Contact your lender to discuss the possibility of transferring the property to an LLC.Land Trust Setup: If the lender does not permit a direct transfer, consider setting up a land trust and transferring the property to the trust.Beneficial Interest Transfer: Transfer the beneficial interest of the land trust to the LLC.

Hopefully, if a "friend" asked to borrow money from you, you'd check if he had the disposable income to pay you back.As for your accountant, that's up to you. 

I would tell him that if he does work without permission again you aren't going to pay for it and then follow up with an email so you have it in writing. 

@Sean LeonardLotsOf scammers in tax liensFor pennsylvania make sure to understand upset sale vs judicial sale.Don’t want to buy an upset sale thinking getting property only to have to still pay the mortgage lender