Stanley's daughter came out with a new book this month updating the research -- I haven't read it yet.Stanley identified several factors that keep you rich or poor: where you live, how much you spend on the house you line in, how much you spend on luxuries, how much debt you pay interest on, but I believe his most important finding is that a much higher percentage of millionaire men than normal will report on a survey that their spouse is more frugal than they are.Getting rich turns out to be very much a team sport, specifically, a team of two.

I currently have 3 rental properties in my portfolio. 2 of which still have debt.

Offer to buy out the heirs (kin) legal interest in the property and start the probate Administration process yourself.

does this calculator combine monthly expenses and debt service?

It will also serve to legally protect your interests.

As long as your not over leveraged, you want good debt on your side. 

Probably lower.Taxes / Ins - unknown at the moment, researchingTrash collection - This goes with the water bill here, so if metered separately, zero.Accounting, legal - $2000 / yr estProperty management - $250 / mo or $3000 / yrObviously I still have blanks to fill in.

Then transfer the property into your LLC or Series LLC via a legal trust that is a member of the LLC/SLLC.

Trying to determine the best way to legally structure the homes.

I keep hearing bits and pieces about a rental strategy that is best called "Renting to the Disabled by the Room for Above Market Rent" that goes something like this: (1) Buy a house with as many legal bedrooms as you can that still has a decent sized common area, (2) rent it out to the relatively high functioning disabled crowd, (3) via some [unnamed] Government program the State pays above market rents for each of the tenets. (4) Send a house keeper 1-2 times per week to ensure the place stays clean and otherwise make sure there are no issues.The up side is: you get above market rent with a much higher than average tenant count.