I understand that any loss of rent can be charged to the tenant, but I couldn't find sufficient info on the other costs.Also, If I were to contact a lawyer to get legal advice on this; what kind of lawyer would it be - real estate? 

With the strategy I want to use, I feel like this might not be feasible with how little I want to put down.

If I do decide to get licensed I was hoping to get some real estate agent experience, however I'm unsure of the feasibility of that with my upcoming Summer schedule of early morning/afternoon classes with Fridays free.

Its currently worth about 35% less that what I paid for it, so I don't want to take the loss and sell.

Our accountant showed a $200.00 loss for the duplexes this past year.How are other people getting financing on a rental property when they already own several others?

Late after the 5th, she get's a notice and so on.....You may want to consider cutting your losses with her before this thing snow balls into the spring/summer months.  

You can say that you have to get with the trustees to approve it.However, I must be doing the trust accounting wrong, because they don't allow me to take the losses that the trust has.

If you are starting eviction due to breaches and the non-payment then go through the eviction and sue them for the loss of rent and damages.

While I don't see the big issue with your rent numbers (all depends on the individual situation of all people involved there) I would definitely pull out as much money from the units as is feasible with respect to a still ok LTV (don't overleverage; rents still need to support all costs) and then use the money to make use of the current interest rates by getting mortgages, meaning of course: buying something.

Economic vacancy/losses will be much higher than you might expect, depending on the area and condition of the homes.Good luck!