Holding on is spending money to house a dead horse.

The main risk you might be referring to is what I call "Pioneering" it's the pioneers that sometimes have arrows in their back lying dead on the ground.  

Dead equity should be valued as a investment.

I am terrified that we will find her terribly hurt or dead someday.

That "equity" becomes nothing. its just dead imaginary money in the property that you "hope" will turn out high if you end up appraising/selling it.

Attempting to fill out online mortgage applications always dead-ends as my life simply doesn't fit the standard boxes.

Both have done incredibly well and the cash flow is crazy.I'm not going to beat a dead horse.So, the next step depends on whether or not you need the cash flow today and don't want to wait until the Rents appreciate.If you don't want to wait, then seek out cash flow now properties.If you were like me, then continue to buy in these high appreciating areas and wait for the Cash Flow.Another benefit that is generally overlooked is the Mortgage Balance reduction when it is entirely paid by the tenants.If you financed the building with a $1 Million fixed rate Mortgage and the tenants paid it down in 30 years to zero, you effectively made $1 Million in 30 years.

Make sure it has a dead bolt.

As is it is costing you money, a lot of money, as dead equity.

It doesn't matter whether the tenant is alive or dead, they are still a DEADBEAT!